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Securing Your Future.

Is my #1 Priority

We Can Review your current Life or your Long Term Care Policy for FREE in person or over the phone.


LEARN MORE

Life Insurance 

Protect your loved ones from unexpected expenses due to death arising from accidental or natural causes with term, whole life, or universal life plans.

Term Insurance


Term Insurance covers short and term debts at affordable rates.


Pick-A-Term life insurance stands out from other coverage's on the market by allowing your clients to choose their coverage term, from 10 to 40 years.


Term 10 or Term 20 insurance is a convenient, affordable solution. for temporary insurance needs related to specific life events.

Whole Life Insurance


Whole Life insurance is a very flexible product offered as whole life coverage to provide customized financial protection for all family members and for small business owners.


Available Guaranteed Level Premium Plans:

Level to age 65

Level to age 100

and Level or Term 100

Guaranteed & Simplified issue life insurance

Product for insureds between 6 months and 80 years of age who are more difficult to insure. By answering a few simple medical questions, clients can get permanent or 20-year term coverage of up to $300,000 depending on your health for either term or whole life coverage.

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If you have already been refused or who don’t qualify due to their health can still get Guaranteed coverage of up to $25,000, or $10,000 for children under age 18, for either term or whole life coverage.


* No Medical Required up to $500,000


Universal Life Plans


Universal Life - is a combination of permanent insurance and savings.


 It offers lifetime coverage and the opportunity to save with certain tax benefits with optional term and or critical illness riders attached.


Universal Life insurance policy is an indispensable financial tool for clients seeking flexible coverage combined with incomparable savings advantages.


It also offers a wide range of affordable insurance options and allows you to accumulate large amounts within a tax shelter and several distinct advantages in comparison to traditional non-registered investments.



Long Term Care

OHIP does NOT pay for:

Your loss of income - Pay off your mortgage - Pay your bills - Pay your rent - Home modifications - Out of country treatments

Insurance premiums - car payments - your retirement investments etc. 

"WHAT WILL HAPPEN TO ME?"

In the event you become unable to care for yourself because of aging, an accident, or illness, a long-term care insurance plan has you covered.


Long term care insurance provides a reimbursement -style benefit if you become unable to care for yourself due to aging, an accident, illness or deteriorated mental abilities.


Long Term Care Plans will cover if you are unable to perform 2 out of 6 activities of daily living.


These are defined as follows:

Bathing 

means washing yourself with or without the aid of assistive devices in a bathtub or shower, including getting in and out of the bathtub or shower, or by sponge bath.


Bathing doesn’t include the ability to reach and wash the back or feet.

Dressing

means putting on, taking off, fastening and unfastening, with or without the aid of assistive devices: clothing, and medically necessary braces or artificial limbs.


You’re not dependent for dressing if reasonable alterations to or changes in the clothing you usually wear would let you dress yourself without substantial physical assistance.

Transferring

means moving into or out of a bed, chair or wheelchair, with or without the aid of assistive devices.

Toileting

means getting to and from and on and off the toilet, with or without the aid of assistive devices, and performing associated personal hygiene.

Continence 

means the ability to control both bladder and bowel functions, or maintain a reasonable level of personal hygiene (including caring for catheter or colostomy bag) when not able to control bowel or bladder functions.

Feeding

means the ability to get food into your body, with or without the aid of assistive devices, through your mouth, or by feeding tube. Feeding does not include cooking or preparing a meal.

To my surprise

Insurance Companies are doing away with Income Style - Long Term Care effective September 30, 2021. Wow!!


 "Who will take care of you" if you can’t take care of yourself? Your kids? Your family members?

Age requirements


You must be between the age of 21 and 80 years old to consider this plan

Who comes to mind if you need assistance in bathing, dressing, feeding, continence and toileting?


Ontario Health? I don’t think so.

At this point in my life as a 56 year old male still very active and doing things on my own, now start to think “ who will take care of me?” hmmmm something to think about.


Long Term Care is getting very expensive, along with long term caregiver facilities. We need to save our dignity with Long Term Care Plan and receive the care we deserve at home, without any burden to our kids or family.


I strongly urge you to give me a call and we really need to start a conversation on what’s important to you.

THIS IS A DIRECT MESSAGE FROM YOUR LIFE  INSURANCE POLICY.

Hi my friend, did you know that YOU and I have similar purposes in this world?

It is YOUR job to provide food, clothing, shelter (rent or mortgage Payments), schooling, medicine, and other commitments to your loved ones. You do this while I lay asleep in your safe deposit box or in your home filing cabinet.


I have faith and trust and trust in you. Out of your hard earned earnings will come the cost of MY upkeep, at times I may appear insignificant to you – but someday ( and who knows when) you and I will change places.


When YOU are laid to rest, or get diagnosed with a life threatening illness, I will COME ALIVE to do your job. I will provide the food, clothing, shelter (rent or mortgage Payments), schooling, medicine and other things your family will continue to need – just as you are doing now.


When your work and labor are done, mine will begin. Through ME, YOUR hands will carry on.

Whenever you feel that the price you’re paying for my upkeep is burdensome, remember that I can do more for you and your family that you will ever do for me.


If you do your part, I WILL DO MINE.


Sincerely Yours,

Your Life and Critical Illness insurance Policy


Request an Online Quote so we can finalize all your insurance needs.

We are in the business of alleviating family financial burdens.

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Call 416.821.8050

or request  below for your online quote.

Have you been declined for life insurance? 


CPP has guaranteed issue plans.

 

You can apply on your own from any device.


Start your Application on your own by clicking here

Eligible individuals can apply online for up to a maximum of $750,000 of life insurance and may be quickly approved and covered.


 If you proceed to our online life insurance application and purchase an insurance policy John Rego, who is an independent insurance agent and will be assigned to your policy to provide you with any required after-sales service and advice about your policy.


 Additionally you may opt to discontinue the online application at any time and deal directly with your agent by calling 416-821-8050 or email [email protected]