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Disability Insurance Quote

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Critical Illness Insurance Quote

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Life Insurance Quote

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Mortgage Insurance Quote

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Get a mortgage insurance quote!

Mortgage Insurance

Your best alternative to Mortgage Insurance - personal life insurance. When considering where to buy your insurance you should speak to a Licensed and professional insurance broker, like me. I can evaluate your debt risks, and all other personal risks you might have. You should consider all your options, and get a policy that is guaranteed to pay your family, not the bank, if you die. Have a plan that is fully underwritten at time of application, so you know you are properly protected.

Most (if not all) the mortgage insurance sold by the banks use a technique called “post-claims underwriting”. It saves them a lot of money since they only analyze your situation IF you present them with a claim (death or disability). However, for you it could be disastrous since you will not really know if you are covered for you mortgage life and/or disability insurance until after the claim is presented

  • Not Guaranteed to Pay- Bank decides if you qualify when you make a claim and can deny payment.
  • Tied Selling- The bank cannot make you buy another product or service as a condition for obtaining a mortgage.
  • Declining Payout- Your coverage goes down as you pay off your mortgage.
  • Increasing Premiums- Every few years when you renew your mortgage, the premiums increase.
  • The Bank gets the Money

Get a life insurance free quote here and see how much your bank/lender is charging you for mortgage insurance (with a catch) compared to personal life insurance from insurance companies. Most people save 30% to 70% by easily switching to life insurance.

Term Life Insurance

The simplest and most affordable form of insurance for providing temporary, short-term protection for loved ones.

Ideal for: Debt Repayment, Income Replacement, Non-Income Earning Income and Replacement for Spouse.

$250,000 Term-10 Male 35 non-smoker, preferred health $13.05 a month

Whole Life

Provides permanent, life-time protection for your family at a level premium. Flexible premium options gives you control over how long the premiums are payable.

Ideal for: Long Term Policy Growth for Child or Grandchild, Final Expenses, Insured Retirement Program (IRP), Tax Planning, Estate Preservation and Charitable Giving.

$100,000 Male 35, non-smoker, preferred health $54.75 a month

Universal Life

Coverage that offers you the opportunity for tax-advantaged investing and tax sheltered wealth transfer to family members and or charities.

Ideal for: Estate Bond Concept, Insured Annuity, Cost Compare Concept, Split Dollar Concept, Wealth Transfer Strategy and Buy Sell Agreement

$100,000 Male 35, non-smoker, preferred health $58.57 a month

No Medical

A fast and easy way to obtain insurance without medical tests, needles or doctor’s reports? Consider No Medical life insurance as a possible solution.

Ideal for: Final Expenses, Debt Repayment and Medical Expenses.

$50,000 10year Term Male 50, non-smoker $22.77 a month

Why switch your mortgage insurance?

Mortgage insurance from the bank has the highest rate of denied claims in Canada. Have your bank's mortgage insurance re-evaluated- If you are currently insuring your mortgage through the bank, you should get a second opinion.

It just makes sense to get something that brings much higher value for a lower cost. Contact us today to see if you can save money on your mortgage insurance by switching to personal life insurance.

Advice you can trust

What our Clients say?

As a Licensed Professional Life & Health Insurance Broker we provide personalized, focused insurance and investment advice. Whether your are a family, planning for retirement, managing an inheritance or running a small businesses we provide you with honest and unbiased product recommendations.

I wanted to send a THANK YOU for the excellent service you have provided me with over the last few years! Not only have you saved me over $95.00 per month, but you have proactively reached out to me and I cannot tell you what that means! I also appreciate you taking care of my brother-in-law and friends that I have sent over to you! They were thrilled with the results of working with you!

Its very hard to find someone you can trust in this industry. They took the time to explain everything and saved me money.

He explained the different types of life insurance in an easy to understand way. I would have never known about permanent insurance, every other agent talked only about term. I would definitely recommend Andrew because he listens and explains things to you then lets you decide what works for you.

Thanks for your help in getting coverage. It was great to find a broker online that was in actually in Ottawa.