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MORTGAGE PROTECTION INSURANCE:
Mortgage Insurance at its Best
Looking for a house to buy is not a challenge you take lightly. You have no doubt already figured out what you need in terms of space, number of rooms, style, neighbourhood, and state of repair…The purchase of a house is an important financial decision, and it is definitely a smart idea to protect the biggest investment of your life.
The objective of our Mortgage Protection Insurance coverage is to enable you to avoid leaving a significant debt for your surviving spouse and children. This plan enables your loved ones to keep the house and all the benefits associated with it, rather than having to sell up, in the event of your death prior to repayment of the mortgage loan.
Mortgage Protection Insurance is, first and foremost, life insurance coverage that enables you to pay all or part of your mortgage loan balance. |
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Features of our Mortgage Protection Insurance |
- You are the owner of your individual mortgage insurance, unlike group coverage offered
by most financial institutions.
- Protection from interest rate increases, since the premiums are level and they’re guaranteed for the entire term of coverage.
- The ability to select individual or joint life insurance depending on your personal situation. This way, you can benefit from a significant reduction in the premium amount.
- The advantage of keeping your insurance, even if you refinance your loan or change lending institutions. Your coverage remains in effect.
- An opportunity to convert your mortgage insurance to regular life insurance without
having to answer any health questions.
- Freedom to appoint your own beneficiary rather than your financial institution.
- Freedom for your heirs to use the benefits to repay your loan or to meet more pressing needs. That’s because the insurance benefit is paid to the beneficiary, rather than to
your lending institution.
- Benefits that cover your mortgage payments in the event of disability or critical illness.
- You chose your home sweet home very carefully. With the Mortgage Protection Insurance, you can enjoy your home with full peace of mind while protecting the biggest investment of your life. What are you waiting for? Start filling your home with good things and happy memories!
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Welcome to Canada Insurance Plan,Ottawa’s Loans Bad Credit Loans. Canada Insurance Plan Life Insurance Rates service brings clients in Ottawa, who need good competitive life insurance rates, together with insurance companies who offer insurance quotes in Ottawa ON. Life insurance rates are currently available in Ottawa the Internet. Here you would have a good access to all quotes, rates of policies from good insurance companies, best brokers, dedicated agents who devote best of their knowledge in insurance for Canadians.
Travel insurance is coverage for you when you are traveling away from home. Not all policies provide the same coverage and of course, prices can vary. Coverage varies amongst companies with different types of policies providing different types of coverage. You can get differing types depending on what your direct travel insurance needs are including travel insurance Australia if you are skiing down under.
Types of travel insurance policies
There are quite a few travel insurance choices you will find at your disposal and it is solely up to you to decide which one is the best for you. These are some of the insurance policies that you might consider as you plan your next tour:
• Trip cancellation and interruption insurance: This policy provides a passenger essential coverage in the occasion when problems arise due to cancellation or delay of travel plans. Travel insurance policies like this generally include financial assistance required to get a person home after the travel plans are laid off.
• Medical evacuation travel insurance: It is a different kind of travel insurance that facilitates compensation for any medical services carried out on a traveler including the use of facilities and personnel.
• Emergency travel medical insurance: This type of insurance is suitable for those who already have a medical insurance coverage at home but one which does not cover a health plan when they are traveling. Emergency travel medical insurance covers emergency services abroad only which means that the services are not applicable once the person returns home.
You are going on holiday and have heard about direct travel insurance. But why do you need it? Below are answers to commonly asked questions, including the type of coverage travel insurance direct includes.
Travel insurance is coverage for you when you are traveling away from home. Not all policies provide the same coverage and of course, prices can vary. Coverage varies amongst companies with different types of policies providing different types of coverage. You can get differing types depending on what your direct travel insurance needs are including travel insurance Australia if you are skiing down under.
Direct travel insurance coverage
The type of coverage you will need depends on where you plan on traveling. Medical costs vary tremendously in different countries. This will make the cost for travel insurance seem like pennies compared to the expense of having to be hospitalized or evacuated.
You will also want to take the time to comb through the finer details of your chosen policy's product disclosure booklet and to highlight any exclusions that may relate to your trip. Do this before signing your contract and making the final payment.
Types of coverage
Direct travel insurance is not just for medical related problems that could arise during your holiday or business trip, it can also cover such things as cancellation of your trip, baggage, rental cars and delays. Below are some specifics to determine which travel insurance policy is right for you.
Cancellations: You suddenly discover that you are unable to go on a booked and paid for holiday and this is due to a serious illness of either yourself or a relative. If you have purchased direct travel insurance, you will most likely be able to recoup this cancellation.
Baggage: While obtaining travel insurance is one of the main reasons people obtain travel insurance, it is one of the only things that can replaced, while your health cannot., in the unlucky event that your luggage end up lost or stolen, you will be required to prove ownership of your items. If baggage cover is important to you, check whether you are covered for stolen luggage from a locked car or hotel room, what the limits are for coverage, and if your chosen policy reimburses for lost cash.
Rental Cars: Renting a car overseas can be quite expensive particularly if you are not aware of the excess amount and you happen to be involved in an accident. This is where direct travel insurance comes in handy - the expense should be covered by your policy.
Personal liability: When renting a car abroad, the rental car company you are with may offer coverage in case of an accident where someone is injured. If you have travel insurance, this portion of the policy may cover expenses if someone is injured. This cover often includes the legal expenses for accidents excluding car accidents. Ensure you know what the travel insurance will cover for personal liability in the event of an accident. If in doubt, ask a friend to help you comb through the finer details.
Delays: In the instance that your flight is delayed, travel insurance will help to reduce impact on your finances and cover these unexpected delays. Don't assume that everything will be covered with your travel insurance ...ensure you understand the fine print of the policy and what it for disruption to your travel plans. Also, check the level of excess and whether you can buy this out. Excess is the amount that you spend prior to a claim being paid out
Discount insurance rates are often something that backpackers are seeking prior to setting off on their adventures. Once again you can find cheap travel insurance online if you have a good look, and there are companies out there offering cover specifically for backpackers and students, at discount rates. If there is a group of you setting out together consider a group policy, cover is available from some providers with discounts ensuring even better cheap travel insurance.
Cheap annual travel insurance is not that hard to find, you just have to know where to look for it. There are two very popular places that you can learn information about this type of insurance. The first place that you can learn about it is online. By taking the time to perform a simple search for online companies that offer it, you can browse through the different websites and learn all of the information that you need to know. |
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Licensed from:Financial Service Commission of Ontario |
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Norman & Cindy, London ON |
William & Dorothy, Sarnia ON |
Richard & Shelly, Toronto ON |
Peter, Brampton ON |
"Kept us completely informed on each step while waiting approval." |
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"I had been turned down time after time.....Life Insurance Advisors got a policy for me at preferred rates...Thanks" |
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"Your service was outstanding, you kept us in the loop throughout the entire process. You made shopping for life insurance a breeze. Thank you so much!" |
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"Mike, Thanks for being so professional. You have provided me the life insurance at the right value without any hassle. Thanks." |
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We serve all of Ontario including: Acton, Ajax, Almonte, Amherstberg, Ancaster, Aurora, Barrie, Beamsville, Belleville, Bolton, Bracebridge, Bradford, Brampton, Brant, Brantford, Brighton, Brockville, Burlington, Cambridge, Cayuga, Chatham, Churchill, Clarence, Clarington, Cobourg, Collingwood, Cornwall, Essex, Fort Erie, Georgetown, Goderich, Gravenhurst, Guelph, Grimsby, Gwillimbury, Haldimand, Hamilton, Hawkesbury, Huntsville, Ingersoll, Kenora, Keswick, Kingston, Kingsville, Kitchener, LaSalle, Lincoln, Lindsay, Listowel, London, Milton, Markham, Midland, Mississauga, Napanee, Newmarket, New Alliston, Niagara Falls, Niagara on the Lake, North Bay, Norfolk, Oakville, Orangeville, Orillia, Oshawa, Ottawa, Owen Sound, Paris, Parry Sound, Pelham, Pembroke, Petawawa, Peterborough, Pickering, Picton, Port (Pt.) Colborne, Port Dover, Port Elgin, Richmond Hill, Sault Ste. Marie, Sarnia, Scarborough, Simcoe, Stoney Creek, Stratford, Strathroy, St. Catharines, Stouffville, St. Thomas, St. Mary’s, Sudbury, Tecumseh, Thornhill, Tillsonburg, Timmins, Thorold, Thunder Bay, Toronto, Trenton, Vaughan, Vineland, Wasaga Beach, Waterloo, Welland, Whitby, Windsor, Woodbridge, and Woodstock. |
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