It’s all new. You’re on your own, for the first time in your life. You may be independent, or you may have people who rely on you financially, such as elderly parents. Either way, you need to make smart decisions while minimizing your exposure to financial risks.
Protect the things you own
Whether you own a house or a condominium unit or have decided to rent, you want to protect your property and personal belongings against theft, fire or other damage. Simply choose between homeowner insurance, condominium unit owner insurance or tenant insurance, depending on the type of home you live in.
If you own a vehicle, you cannot operate it without the minimum mandatory insurance required by your province. You may also want to add optional coverage. We can help you make the right choices.
Protect your lifestyle
Accidents and illnesses can happen to anyone. Knowing this, you have to plan for any eventuality.
For example, if you were disabled and couldn’t make a living, what would happen to your lifestyle? If you have people who depend on you, would you be able to meet your obligations if your income stopped coming in. If you were diagnosed with a serious illness, would you have the financial resources you need to cover additional expenses or pay off some of your existing debts?
Your ability to earn an income is your greatest asset, so it makes sense to insure it. Disability income insurance and critical illness insurance helps you cope with the economic impact of a serious illness or injury.
You’ll also want to make sure your family isn’t burdened with any of your debts if anything were to happen to you. If you have life insurance, it can be used to pay for funeral expenses and to settle personal loans from family. You may also want to consider loan, mortgage or credit protection to make sure other debts like a mortgage, education loans or a car loan will be paid off.
We can help you choose the right coverage for your needs.
Protect yourself on the go
The minute you leave your home province, you leave behind most of your government health insurance. That’s why it’s crucial to ensure you have coverage for medical emergencies whenever you take a trip, even a short one to the next province or just across the nearest border.