If you’ve been declined, don’t lose hope, there’s a policy for you. It’s called Guaranteed Life Insurance.

What is It?

• Guaranteed Life Insurance is just that, you don’t need a medical to qualify!

How It Works

• Apply from the comfort of your home. No health questions asked.
• Just like any other life insurance, it provides a tax-free death benefit to your loved ones.
• You can choose between term and long term, and you can cancel anytime.

Who Is It For?

• If you are a Canadian citizen, a permanent resident, or even a landed immigrant and you are between 40 and 75 years old, you are guaranteed life insurance coverage.

Any questions? Give us a call or send us an email. We’d be happy to speak with you!

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What is It?

• Critical Illness Insurance can help you financially in the time of crisis. If something happens to you, you can financially cover yourself and your family.

How It Works

• Manulife Synergy® combination insurance. Their 3-in-1 Life, Disability, and Critical Illness protection insurance. If you can’t work because of injury, illness or premature death, you can draw on the pool of money through your Synergy policy to:
  • Replace your income
  • Cover your mortgage and debts
  • Supplement gaps in your employer’s group plan

Who Is It For?

• Canadian citizens and permanent residents who are between the ages 18 and 65.
• Landed immigrants who have been in Canada for over 12 months can also apply.

Any questions? Give us a call or send us an email. We’d be happy to speak with you!

Manulife Synergy® information sourced from manulife.ca at https://www.manulife.ca/personal/insurance/health-insurance/critical-illness.html

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What is Business Overhead Expense Insurance?
Every business has a cost of operation, that can be anything from: rental of the place of business, cost of utilities, employee salaries, etc.
In the event you can’t work, due to a disability or sickness, Business Overhead Insurance kicks in to minimize any adverse effect your absence may put on the business.

BOE Insurance doesn’t cover lost wages if you become disabled, you need Disability Insurance to cover that.

How It Works
Premiums may be tax-deductible as a business expense.
Benefits can start after only 15 days of disability.
Benefit payments are available for 15 or 24 months.
You can increase your coverage at a later date.
Return to work assistance is available.

Who Is It For?
Anyone ages 18 – 60 are eligible to apply.

Any questions? Give us a call or send us an email. We’d be happy to speak with you!

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Disability Insurance is a monthly benefit meant to replace your income in case injury or illness prevents you from earning a living.

How Does It Help: Income Protection

If you’re disabled and cannot work, you cannot earn a living to pay your monthly obligations. With a disability, you may not be able to work either partially or totally, but you can certainly keep the money coming in through a disability policy. Think of disability insurance as income protection. Whether for the short or long term, you can maintain your lifestyle until you can work again. By protecting your income, you protect your family and business. A household with a single income can be at a significant loss if he/she is disabled without the proper insurance. With your business, it can still operate until you are able to fully get back to work.

Types of Disability Insurance

There are a couple different types of disability insurance:
• Short or Long Term, to include either injury and/or illness.
• A top-up to current group disability.

Injury Insurance can be inexpensive and adding illness insurance would be worth it.
Short term is around 6 months while long term can be a policy for 2 years or up to
age 70.

How to Decide
• Disability Insurance can replace between 60 – 85% of regular income.
• No need to worry about finances if something were to happen to you.
• Easily protect your loved ones with a worthwhile and relatively low-cost insurance.

Questions about Disability or other insurance? Give us a call or send an email.

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With an easy to use, modern design, myHSA enables users to submit claims seamlessly with its free app. The service is available online as well as on the Google Play Store and Apple App Store. Simple to set up, employers will become plan administrators and take charge of the new Healthcare Spending Account.

For employers, here are a few reasons to consider myHSA:

• Admins can add or terminate employees, see activity, and run real time reports.
• Able to access and pull different reports for tax or accounting.
• You will receive an emails for any withdrawal made.
• You can run Bank Rec Reports which will show the transaction activity.
• If an employee’s information needs to be edited, you can correct it.
• It’s optional to leave some details to your employees: setting up family members and banking information.
• myHSA can be a stand-alone plan or it can be a nice supplemental plan to your main group benefits.
• And of course, we’ll help you at any time, that’s what we’re here for.

If you want to know more, and perhaps set one up, we’d be happy to talk with you! For an added bonus, there’s no set up fee!

Have a great day from the staff at Integrity Insurance and Financial Services!

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• Heart Attack
• Stroke
• Cancer
• Deafness
• Blindness
• and many more….

Think of it as a safety net. Your business or personal life doesn’t have to struggle just because you’re diagnosed with a disease and cannot work. It’s enables you to have that peace of mind knowing that you can still take care of those things that mean the most to you. It can be used to pay employees, rent, mortgage, utilities, groceries, alternative healthcare, etc.

The key to insurance, not just Critical Illness, is getting it when you are healthy.

Health is the key to wealth. If you want a long lasting and affordable Critical Illness policy, the healthier you are, the better off you are.

Get a quote designed specifically for you! Use the “Contact Us” section of this website, send an email, or give us a call directly.

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In the case that custodial care is needed, policy holders will receive daily amounts to pay for services that help with basic essentials like eating, bathing, dressing and more.

The cost depends on…

1. How old you are when you invest.
2. The maximum daily payment.
3. The maximum duration that the policy will pay (the number of days).
4. The lifetime maximum amount that the policy will pay (the max. amount per day multiplied by the max. number of days).
5. Optional benefits that you have chosen.

Unfortunately, you may not qualify for long-term care insurance if you have poor health or already utilize long-term care services. Still, you may, in some cases, be able to get a limited amount of coverage or coverage at an increased rate.

Interested? Have queries and questions? Check us out. Maybe we are the right one for you! We also deal with disability insurance, critical illness benefits, group employee benefits, life insurance and more. If you are looking for life insurance or disability insurance, give us a call to discuss the wide variety of options and insurance coverage that we make available, to keep you and your family protected. Call us today!

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So how can you avoid being one of the statistics? We’ll show you how to choose your company wisely. Companies in Canada and all over the world, come to people offering so many services that they don’t even live up to. You need to:

• Check Their ratings: Look at their financial status. Are they doing good? Look at the company’s A.M. rating.See if they maintain reserves or capital ready to honor future insurance claims from their clients. You’ll see if they are capable and loyal enough to honor their obligations.
• Look at the Claim Payment History: See how well they’ve been doing at paying claims in a timely fashion. If they have a record of late payments and turmutuous payment claims, then it’s probably a good idea to stay away from them. Look into the efficicny of their claims processing epartment. That’ll give you a good clue!
• Seek Help!: Talk to someone who has the toosl to do a thorough analysis of your insurance needs and who can recommend the suitable policies. The best one for you aould be the one that meets those needs and has a good background  of customer service and financial competence.

Check us out. Maybe we are the right one for you! We deal with disability insurance, critical illness benefits, group employee benefits, life insurance and more. If you are looking for life insurance or disability insurance, give us a call to discuss the wide variety of options and insurance coverage that we make available, to keep you and your family protected. Call us today!

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• You are completely unable to perform 2 out of 6 of the daily living activities (which we will list shortly).
• You face cognitive impairment (which is simple the “mental deterioration and loss of intellectual ability”) for 90 days or more without the possibility of recovery.

As stated above, here is a list of 6 things that are considered as activities of daily living. They include:

• The inability to bathe or clean oneself.
• The ability to dress oneself.
• The ability to use the toilet facilities.
• The ability to manage bowel and bladder function.
• The ability to transfer or move oneself.
• The ability to feed oneself.

Yes! It’s a scary thing, but if you’re going through it, you don’t have to go through it alone.  Remember, we’re right here to help you. So, if you are looking for life insurance or disability insurance, give us a call to discuss the wide variety of options and insurance coverage that we make available, to keep you and your family protected. Call us today!

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It’s technical, but major organ transplant can be defined as the “definite diagnosis of the irreversible failure of the heart, both lungs, liver, both kidneys or bone marrow, and transplantation must be medically necessary”. One of the organs stated above, included the kidney, the been-shaped organ that serves to remove excess organic molecules (such as waste products) from the blood. Kidney failure is definitely a critical illness and a difficult ailment to live with. It is basically the irreversible failure of the individual’s both kidneys. They would have to endure a renal transplantation, peritoneal dialysis or regular treatments of haemodialysis. To receive a benefit for kidney failure, there must be three of the following details:

1. Failure of both kidneys.
2. The extent of the failure is irreversible.
3. One of the 3 aforementioned treatments (renal transplant, peritoneal dialysis or haemodialysis) must have started.

If the treatment has not been initiated then no money will be paid. However, insurance is a must these days. You never really know what could happen. So, if you are looking for life insurance or disability insurance, give us a call to discuss the wide variety of options and insurance coverage that we make available, to keep you and your family protected. Call us today!

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