SERVICES

If you’re a business owner or self-employed, you worry about estate funding, retirement savings, and capital gains taxes.  It’s imperative you protect your hard-earned money as much as possible - and that is exactly what we can do.

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• Move your funds from a low tax zone to a no tax zone

• Minimize your taxes

• Get immediate financing

• Retirement and estate funding tax-free

• Capital gain taxes funding

• Key person insurance

Being self-employed offers a unique set of benefits and challenges.  Affordable health care insurance no longer has to be one of the challenges you face.  You can put one of our reasonably priced health insurance plans to work for you while you concentrate on tackling all the other responsibilities of working for yourself.

 

We hope you will allow us the opportunity to meet with you to discuss the options available to give you the security and peace of mind that comes with knowing you have dependable health care coverage. 

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• Group Health Plans

• Individual Health Plans

• Long Term Care Insurance

Life Insurance.

You may not think you need life insurance now, but if you wait too long to take out a policy, it could hurt you in the long run.  Waiting until you feel you really need a policy means you will be older and the odds of having health problems increases.  This can mean higher premiums or worse, being completely denied for a policy.  Starting a life insurance policy earlier in life is a smart decision all around.
At MI insurance & Financial LTD, we provide
-Term Life Insurance
-Whole Life Insurance 
-Universal Life Insurance
-Mortgage Life Insurance

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Critical Illness Insurance

Statistics show that 1 in 2 men and 1 in 3 women will develop heart disease in their lifetime.

 Every 7 minutes, a person in Canada dies from heart disease or stroke.

 Of the estimated 70,000 heart attacks Canadians suffer each year, 16,000 lives are lost. Most of these deaths occur outside of a hospital.

95% of people hospitalized for a heart attack survive the initial attack.

75% of stroke sufferers survive the initial attack.

Approximately 300,000 Canadians are currently living with the effects of stroke

Statistics show that 2 in 5 Canadians will develop cancer in their lifetime.

30% of new cancer cases and 17% of cancer deaths will occur in young and middle-aged adults ages      20-59

Covered critical illnesses and conditions

• Heart attack 

• Cancer

• Coronary artery bypass surgery

• Stroke

• Kidney failure

• Major organ transplant or failure

• Aortic surgery

• Heart valve replacement

• Benign brain tumor

• Blindness

• Deafness

• Paralysis

• Multiple sclerosis

• Severe burns

• Coma

• Loss of speech

• Loss of limbs

• Motor neuron disease

• Alzheimer's disease

• Parkinson's disease

• Occupational HIV infection

• Bacterial meningitis

• Aplastic anemia

• Loss of independent existence*

• Congenital heart disease**

• Cerebral palsy**

• Cystic fibrosis**

• Autism**

• Rett syndrome**

• Type 1 diabetes mellitus**

• Muscular dystrophy**

Disability Insurance

If you find yourself unable to work for a month, six months, or even several years, how would you and your family get by?  Could you survive on your savings and whatever monies came in while you were unable to work?

 

 And while most people remember to insure their homes and their vehicles, many neglect to insure the very income that makes their home and transportation possible.

 

Sure, youth believes it is invulnerable, but by the time we've hit our twenties, most of us know better.  The healthiest, most careful person in the world can be laid low by an unexpected illness or accident.  What happens next depends entirely on how well situated they are for a lengthy unpaid vacation.

 

How well-situated are you?  Will you bounce back from your disability only to find you've moved into your in-law's basement, lost your car to repossession, and have a six-figure mountain of delinquent debt staring you in the face?  Or will your income be covered while you recuperate, ensuring that you rejoin the workforce in a financially similar position to when you left?

 

The choice is yours.  You can learn more about disability income insurance by visiting us.

-Long term and short term Disability
-Income Disability
-Mortgage Disability

One of the best ways of Creating Wealth is investing in Tax Sheltered tools like and a great way of creating wealth. Tax-sheltered tool is one of the most popular ways to create wealth.

•  TFSA

•  RRSP

•  RESP

•  Whole life Policy​

 

TFSA

A great tool to grow your money tax-free whole life

Very Flexible and you can withdraw amounts whenever you want without any tax implications.

TFSA room up to 2018, $57500 

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RRSP

RRSP contributions lower your income tax.Your investment in RRSP will be earning tax shelter growth

RRSP can be used to buy your first home for $35000.

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RESP

A great way to save for education.Government grants $7200 CESG
Canada learning bond $2000.Tax shelter growth. Up to $50.000 can be contributed

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Whole life Policy
Provide for your loved ones The death benefit can be used to replace your income and maintain your family's lifestyle.
Create an inheritance The tax-free death benefit creates an instant legacy for your loved ones or a favorite charity.
Preserve an inheritance Your beneficiaries can use the proceeds to cover final expenses, taxes, and fees payable at death, keeping their inheritance intact.
Build wealth you can access Use the cash value to supplement your retirement income, help pay for your children's education or financial needs, or even pay future premiums on your policy.
Protect your children 10 pay or 20 pay premium options are offered that can provide your child or grandchild with paid-up, permanent insurance protection at low children's rates, plus access to cash values to fund education

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When visiting Canada on Super visa or regular visitor visa and getting sick or hurt  the health care costs in Canada  can be expensive. if you don’t have proper health insurance coverage, when you are away from home is stressful about the cost of the medical treatment you need.

Visitor insurance is very important to help protect you, your family while visiting Canada from an unforeseen medical emergency during their visit to Canada . Without proper health insurance coverage, visitors may be left to pay significant out of pocket expenses.
 

CANADA SUPER VISA INSURANCE

*We are Super Visa insurance Experts

*Most flexible and affordable plans.

*Up to 45% Discount at the time of application.

*Partial and Full refund available.

*We Bring Families Together

*Now serving from Alberta, BC, Manitoba, SK, and ON

To find out more, please call

Toll-Free 1 800-886-5270

Direct. +1 647-853-3030

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