– The Basics –
But don’t look at rates alone. Services, claim experiences, and conversion flexibilities all contribute to the overall insurance experience. Some tiny “terms and conditions” may exclude certain situation from claiming.
We are here to help you identify all the pros and cons about different policies, so you can pick the one that suits you the best, with lowest premiums possible.
Insurance comes with costs. We help you find your exact insurance needs so you do not overpay your insurance. We also assist you with the underwriting process so you can be approved as “standard” and pay for the lowest premium possible.
You do not need insurance because other people have it. You need insurance because you or your family need it.
The very basic insurance needs may be to replace your income, to protect your savings, or to shelter your family from income loss in case of unexpected. We have one of the best needs analysis tools to help you identify and quantify the insurance needs you and your family have.
With the exact amount of insurance needs in mind, we will move on to plan your insurance application.
Without better planning, you may be rated or declined by insurance companies.
Different carriers have their unique underwriting guidelines. To ensure your insurance application is approved “standard”, we help clients monitor their lifestyle and health status even months before applying. When we submit applications, we prepare a thorough and thoughtful cover letter to address any concerns the underwriters may have.
We are proud of our high approval rate.
Insurance needs are dynamic. They change when the situation is different.
For example, if you have just paid off your mortgage, your insurance needs should decrease. If you are starting your own business, you may need to transfer your previous group benefits to your family health coverage. When your family grows, you will need to modify your exisiting beneficiary designation or add some new coverage.
We conduct annual reviews with our clients to ensure they are neither under-covered nor over-covered.
But don’t look at rates alone. Services, claim experiences, and conversion flexibilities all contribute to the overall insurance experience. Some tiny “terms and conditions” may exclude certain situation from claiming.
We are here to help you identify all the pros and cons about different policies, so you can pick the one that suits you the best, with lowest premiums possible.
Simply click on “Get Your Free Quote Today” on this page and fill out the pop-up form. We will contact you with your quote when we have all the information needed. You may also choose to write to us at email: partners@wealthi.ca or call us at 647-951-1588.
