Insurance guides
Plain-language guides, each written to answer one question fully. Every page shows when it was last reviewed and where its facts come from.
Super Visa and visitors
- Super Visa insuranceWhat Super Visa insurance must cover, what changes the price, how monthly payments work, and how to get the confirmation for your parents' application.
- Super Visa insurance requirementsThe insurance conditions IRCC sets for a Super Visa: $100,000 minimum, one year from entry, what must be covered, and what counts as proof of payment.
- What Super Visa insurance costsThe five things that set the price of Super Visa insurance in Ontario, how a deductible lowers it, and how to compare quotes the right way.
- Super Visa insurance monthly payment planIRCC accepts Super Visa insurance paid in instalments with a deposit. How monthly plans work, what they cost extra, and what proof you get.
- Super Visa insurance in BramptonSuper Visa insurance quotes in Brampton from a licensed agent who speaks Punjabi, Hindi and Urdu. Compare plans, pay monthly, get the confirmation fast.
- Visitors to Canada insuranceEmergency medical insurance for relatives and friends visiting Canada. What it covers, when to buy it, and how to compare plans in Ontario.
Life insurance
- Term life insuranceTerm life insurance pays your family a tax-free amount if you die during the term. How to choose the amount and length, and how to get an Ontario quote.
- Term vs whole life insuranceTerm life covers a set number of years at a low cost. Whole life lasts for life and builds cash value at a higher cost. How to choose between them in Canada.
- How much life insurance do I need?A simple way to work out how much life insurance you need in Canada: income to replace, debts to clear, future costs, minus what you already have.
- Life insurance calculatorFree life insurance calculator for Canadian families. Enter income, mortgage, debts and savings to see how much coverage to consider. No sign-up.
- Life insurance for childrenWhat a child's life insurance policy does, what it does not do, the two main types, and when it makes sense for a newborn or child in Ontario.
- Life insurance for newcomers to CanadaCan permanent residents and work permit holders get life insurance in Ontario? What insurers ask newcomers, and how to prepare your application.
Home owners
- Mortgage protection insuranceHow personal mortgage protection differs from the insurance your lender offers: who gets paid, what happens when you switch lenders, and how to compare.
- Life insurance for first-time home buyersBuying your first home in Ontario? When to arrange life insurance, how it differs from the lender's mortgage insurance, and how much to consider.
Illness and income
Where I work
- Life insurance in BramptonLife insurance quotes in Brampton from a licensed local agent. Term life, mortgage protection and critical illness, explained in Punjabi, Hindi or Urdu.
- Life insurance in OntarioA plain guide to life insurance in Ontario: the main types, who regulates it, the protections you have as a buyer, and how to get a quote.
See what your coverage would cost
Answer a few questions. I run the numbers with the insurers I work with and email your quote, usually the same day.