Located in downtown Peterborough, Ontario, The Life Insurance Guy has been providing insurance brokerage services to businesses and residents of Peterborough, The Kawartha Lakes, and Southern Ontario since 1996. The areas of insurance that my Brokerage specializes in include Group Benefit Plans, individual Life, Disability, Mortgage, Key Man, Partnership and Critical Illness.
Upon request we also accommodate our clients with their group and individual RRSP investments, and RESPs for their children's future education costs. See a comprehensive list of available insurance products and services. Our goal as Life Insurance Brokers/Consultants is to assist firms of all sizes in every industry to design and provide group benefit plans for their employees that are appreciated, affordable and sustainable.
Upon request we also accommodate our clients with their group and individual RRSP investments, and RESPs for their children's future education costs. See a comprehensive list of available insurance products and services. Our goal as Life Insurance Brokers/Consultants is to assist firms of all sizes in every industry to design and provide group benefit plans for their employees that are appreciated, affordable and sustainable.
Services
The Life Insurance Guy is a brand that I created in order to enhance the recognition of my firm and it's services. The caricature and logo was created by Bill Slavin, a very talented and well known illustrator who lives in Cavan-Millbrook-North Monaghan Township. Although the majority of my clients are located in Peterborough, Lindsay and the surrounding Kawarthas I have clients located in Toronto and throughout Southern Ontario.
What is insurance exactly? In it's simplest form insurance is a system of protection against loss in which a number of individuals agree to pay certain sums for a guarantee that they will be compensated for any specified loss by fire, accident, disability, death, etc. A contract, usually called an insurance policy, outlines the premium amount, policy provisions, terms of guaranteed payment and specifies the perils in which the insured is covered.
There are now 11 stock insurance companies that underwrite and provide group benefit insurance plans to businesses in Ontario. The majority of these insurers require firms with a minimum of 5 full-time employees. Two of these markets will insure a firm with as few as 2 employees.
There are also numerous association plans that will insure a one person firm, and a growing number of specialty programs that will provide a variety of group type coverages.We do our very best to keep abreast of the new and various group products being marketed in Ontario, including the plans we cannot offer.
There are also numerous association plans that will insure a one person firm, and a growing number of specialty programs that will provide a variety of group type coverages.We do our very best to keep abreast of the new and various group products being marketed in Ontario, including the plans we cannot offer.
A Life Insurance Policy is a contract between an insured person and a life insurance company that specifies that the insurance company will provide either a stated sum or a periodic income to your designated beneficiaries upon your death. It can allow a person to create an estate for their family for very little money.
Mortgage Insurance is life insurance. The coverage sold by banks, mortgage lenders and some life insurance companies is actually decreasing term insurance. That means the amount of coverage decreases in line with the mortgage debt. If a borrower with this type of coverage dies, the coverage in force is just enough to pay off the outstanding amount of the loan.
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