What do Brampton families ask me about most?
- A new mortgage. Whether to take the lender's insurance or a personal policy. The comparison is on the mortgage protection page.
- Parents living in the home. Households with three generations often rely on more than one income, and sometimes on a grandparent for childcare. The coverage needs to reflect that.
- Parents visiting from abroad. Super Visa insurance for the application, and often a review of the family's own coverage at the same time.
- New to Canada. Whether a permanent resident or work permit holder can get coverage yet. Usually yes. See life insurance for newcomers.
- Self-employed. Owner-operators, contractors and small business owners with no employer benefits to fall back on.
How I work
You start with the quote form. I check your details against the insurers I am contracted with and email two or three options with the monthly cost of each. If you want to go through them together, we talk by phone or video, or meet in person in Brampton, Mississauga or Caledon.
When you apply, I handle the paperwork with the insurer, keep you updated during underwriting, and go through the policy with you when it arrives. After that I am your contact for changes, reviews and claims.
Why the language matters
An insurance policy is a contract. Understanding what you bought, and making sure your spouse and parents understand it too, is easier in the language you use at home. I explain the coverage, the exclusions and the claim steps in the language you prefer.
Common questions
Do you meet clients in person?
Yes, in Brampton, Mississauga and Caledon. Most people choose phone or video, and it works just as well.
Which insurance companies do you work with?
I am contracted with a number of Canadian life and health insurers through a managing general agency. Your quote names the insurer behind each option.
How long does it take to get covered?
The quote is usually ready the same day. After you apply, underwriting takes from a few days to a few weeks, depending on the amount and your health answers.
Is there a cost for the quote or the advice?
No. Insurers pay me a commission when a policy is issued. See how I get paid.
Sources
Written and reviewed by Sandeep Singh Pawar, licensed life insurance agent in Ontario. Last reviewed .