Critical Care Insurance or critical illness insurance is a policy that offers a extensive amount of money to the insured client is diagnosed with any critical illness. The money is paid in a lump sum directly to the insured. The cash amount is paid directly to the insured in one payment.

Critical care insurance includes a variety of illnesses and conditions that can affect any person. Some incidents that are ideally enclosed in critical care insurance are heart attack, heart surgery, cancer, blindness, HIV/AIDS, Parkinson’s, paralysis, transplant, Alzheimer’s and severe burns. Each insurance company has different coverage options available to clients. These benefits/lump sum amount is paid irrespective of the other insurance policies the patient may have.

Benefits of Critical Illness Insurance:

Reduce your financial burden: Pay off or reduce your mortgage, credit cards or other debts. Help keep your business running.

Maintain your independence: Modify your home or vehicle to improve your mobility. Hire domestic help during your recovery. Fund a leave of absence for yourself or your spouse.

Access cutting-edge medical services: In Canada, pay for medications and treatment not covered by provincial health plans. Outside Canada, pay for treatment that may not be available at home, in addition to your family’s travel and lodging expenses.

Assist in your recovery any way you choose: Spend more time with your family or use the benefit in other ways that can help you focus on getting well.

Harry Insurance Services will helps you to get the best rate considering your income, financial obligations, dependents and health care needs.

Give us a call at (+1) 647 338 2570or fill the form to get a free quote or book a free and confidential appointment to get more detailed information about Critical Care Insurance or Critical Illness Insurance and its benefits.

Disability insurance is intended to replace a portion of your income if you become disabled and are unable to earn an income. A disability can result from a number of causes, including an injury, a serious illness or a mental health issue.  And the duration of a disability can be either short- or long-term.

There are different kinds of disability insurance coverage, including individual insurance plans and group insurance plans, as well as government plans such as workers’ compensation and benefits provided under the Canada Pension Plan.

Give us a call at (+1) 647 338 2570 or fill the form to get a free quote or book a free and confidential appointment to get more detailed information about Disability Insurance and its benefits.

Visitor to Canada insurance is available for visiting family, relatives, friends, landed immigrants or returning Canadians waiting for provincial health coverage, and for individuals in Canada on a work or student visa. Whether as a tourist or as an immigrant make sure that you and people accompanying you are covered under visitor Insurance to Canada travel Insurance. There are many tourists or Canadian visitors who think that they do not require visitors travel insurance. They believe that nothing will happen to them. But it has and is happening to many visitors across the country and the world. Visitors insurance makes you secure and worries free in Canada. Now travel to Canada without any worries in the back of your mind; buy your Visitor Travel Insurance today. Give us a call at (+1) 647 338 2570 or fill the form to get a free quote or book a free and confidential appointment to get more detailed information about Visitor Travel Insurance and its benefits.

Travel can be an elevating and memorable experience. However, without proper travel insurance, a dream holiday could lead to monetary ruin. Out-of-pocket costs for relatively minor emergencies can put a restraint on the vacation, sometimes costing hundreds of dollar. A medical emergency can pose a serious risk to the overall financial well-being. A more severe emergency could affect long-term plans for education or retirement. Benefits of Travel Insurance: Emergency Medical Expenses: Covers medical costs incurred due to illness or accident including medically necessary and prescribed emergency evacuation. It covers out-patient, in-patient, medical aid, therapies and diagnostic tests as described in the policy. Repatriation of remains: Covers the funeral expenses or expenses of repatriating the remains back to your home country, in case of death of the insured overseas. Emergency Dental Expenses: Covers acute anaesthetic treatment of natural teeth. Hospital Expenses: Pays a daily allowance as stated in the policy in the event of hospitalisation either due to sickness or accidents. Accidental Death and Permanent Total Disability Common Carrier: The company will pay the sum insured specified in the schedule in addition to the sum insured specified under the Personal Accident section, If the insured sustains Accidental bodily injury during the course of the journey while travelling in a common carrier such as rail, tram or airplane; and such bodily injury results in death or permanent total disability. Flight delay: Compensation if the aircraft is delayed for more than 12 hours than the original scheduled departure time. Loss of Passport: Expenses incurred in obtaining a fresh new passport. Loss of Checked Baggage: Compensation for the permanent loss of checked-in-baggage. Financial Emergency Assistance: Insurance cover is provided in the event of the insured person getting into a financial emergency due to theft, robbery of his/her travel funds. A fixed sum is paid as emergency assistance up to the limits specified under the policy. Hotel Accommodation: Pays for the cost of hotel accommodation, if the insured person sustains bodily injury or sickness which directly and independently of all other causes results in the hospital stays as an in-patient and misses flight back to the country of residence. Now go on your vacation without any worries in the back of your mind; buy your travel insurance policy today. Give us a call at (+1) 647 338 2570 or fill the form to get a free quote or book a free and confidential appointment to get more detailed information about Travel Insurance and its benefits.

Drug & Dental Plan benefits normally include dental care, eye care, prescription drugs, semi-private or private hospital expenditure, hospital bills, medical travel, catastrophic coverage, fracture assistance and accidental death & dismemberment. Government Health Insurance plan does not include many health care expenditure in Canada such as eyewear, prescription drugs, dental services, and registered specialists and therapists. These expenditures are very difficult to manage if you do not have an employee group plan. If any serious illness occurs, then that can put an additional fee on your financial health. Drug & Dental Plan insurance plan can help to cover these costs without putting any stress on you. Like any other insurance plans, Individual Health Care Insurance not only gives you peace of mind but also provides a safety net for potential financial losses. It also makes easier the burden of day to day medical and dental expenses. Benefits of Drug and Dental Plan: Vision Care Extended Health Care Home Care and much more Give us a call at (+1) 647 338 2570 or fill the form to get a free quote or book a free and confidential appointment to get more detailed information about Drug & Dental Plan Insurance and its benefits to you and your family.

Tax Free Savings Account (TFSA) is a flexible general-purpose saving medium that allows Canadians residents (age 18 or above) to save for short term and long term requirements. The income earned in TFSA is tax-free. Withdrawals from a TFSA are also tax-free as contributions are not tax-deductible. That means if you earn $5,000 on your investment, it’s 100% yours to keep without any tax obligation. Saving tax-free for any length of time and for various goals, such as saving for a home, vacation or a big purchase Benefits of TFSA: Opportunity to earn investment income, tax-free – Any interest, capital gains or dividend income you earn within the account is not subject to tax. Flexibility to withdraw your savings, tax-free – At any time and for any purpose you choose. Contribute to a spouse’s TFSA – You can contribute towards your spouse TFSA. But your total contribution to any account cannot exceed the maximum allowed. Wide range of investment options for enhanced flexibility – Including guaranteed investment certificates (GICs), stocks, bonds etc. No impact to your government benefits – No income you receive or withdrawals you make from a TFSA will affect your eligibility to receive income-tested benefits such as the Guaranteed Income Supplement, Canada Child Tax Benefit or Old Age Security benefits. Give us a call at (+1) 647 338 2570 or fill the form to get a free quote or book a free and confidential appointment to get more detailed information about TFSA and its benefits. You’ve got nothing to lose and potentially thousands of dollars to gain. Your future is definitely worth it! ** NO ENROLLMENT FEE or SALES CHARGES**

Looking to save for your child’s education? This one’s for you. An RESP is eligible for government grants, plus your investment will grow tax-free until you need to withdraw funds. Saving for a child’s education costs, including tuition, books, living expenses and more. RESP is an investment medium used by parents or grandparents to save for their children or grandchildren’s post-secondary education in Canada. Benefits of RESP: Tax-sheltered earnings – Your earnings are all tax-sheltered and when withdrawn the earnings are taxed to the child, who may pay little to no taxes on them as students. Not just for tuition – The money can be used towards more than just tuition costs – including books, living expenses, other course materials and more. Potential for grants – The federal government add up to a maximum of $500/year with the Canada Education Savings Grant (CESG ), up to a lifetime maximum of $7200 (this is free money). Flexibility – You can decide how much money should be withdrawn and when it should be withdrawn. The withdrawals can be used for a variety of education costs, including tuition, books and living expenses. Tax savings – When money is withdrawn and used to pay for the child’s post-secondary education, the plan earnings and government contributions are taxed in the child’s hands. As a student, the child may pay little or no taxes on the money. If you have decided that an RESP is a wise investment, but you don’t know if you can afford to make the contributions, a licensed advisor at Insure To Sure Inc. can help. We’ll review your monthly expenses and make the appropriate adjustments to fit the RESP payments into your budget plan. Yes, you got it right we will help you to get RESP with minimum investment to attain maximum benefits / government grants for your child. Give us a call at (+1) 647 338 2570 or fill the form to get a free quote or book a free and confidential appointment to get more detailed information about RESP and its benefits. You’ve got nothing to lose and potentially thousands of dollars to gain. Your child’s future is definitely worth it!

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