Insurance
Insure today, be sure tomorrow.
Protect what matters most to you with our insurance services, including life insurance, critical illness, disability insurance, and many more. Insurance is a crucial part of any financial plan.
Life Insurance
Life insurance is an essential component of any comprehensive financial plan. It provides financial security to your loved ones in the event of your unexpected passing and can be used to cover debts, funeral expenses, and other important costs and leave a legacy for your loved ones.
To keep it simple, there are two types of life insurance: term and whole life. Term life insurance provides coverage for a set period, while whole life insurance provides lifelong coverage with a cash value or equity component.
Looking for the right life insurance plan can be overwhelming, but working with an independent broker can help make the process simpler and more effective.
At Robinson Insurance & Financial Services, we believe that personalized service and expert guidance can make all the difference. Noah Robinson will work with you to create a unique plan that fits your needs, providing you with the peace of mind that comes with knowing that you have quality coverage. Let us take care of the hard work so you can focus on what matters most to you.
Mortgage/Creditor Life Insurance
Mortgage/Creditor life insurance is a specific type of insurance designed to pay off your debt balance in the event of your untimely death. While this may seem like a great option, it is important to note that these policies are typically sold through banks or other lenders, and that means they pay directly to them and cost WAY more than they should. There is NO benefit left for your family or loved ones in the case of your passing.
When you work with Robinson Insurance & Financial Services, we will provide you with insurance solutions that will keep your family protected, not your lender. Our life insurance benefit pays directly to your family, not to your lender.
Unlike insurance policies offered through banks, our policies are designed to provide real coverage that lasts even if you decide to move or take on more debt, so you can have peace of mind knowing that your loved ones will be taken care of if something unexpected were to happen to you.
Disability and Critical Illness Insurance
Disability and Critical Illness Insurance are two types of coverage that can provide you with financial security during difficult times when you are not able to work.
Disability insurance or Income Replacement is designed to replace a portion of your income in the event that you become disabled and are unable to work.
The "Elimination Period" is the amount of time you must be unable to work to qualify for benefits. Shorter elimination periods can result in higher premiums.
The “Benefit Period” can be chosen to fit your needs. Would you prefer payments until age 65 or for a shorter period of time? Income replacement plans offer a variety of options, including partial disability coverage, first-day hospital coverage, and lifetime benefits for accidents.
Critical illness insurance, on the other hand, provides a lump sum payment if you are diagnosed with a serious illness such as a heart attack, stroke, or cancer.
It is your choice how you use the money whether for medical treatment or a dream vacation. As healthcare costs continue to rise in Ontario, having the funds to access top-quality care is more important than ever. With Critical Illness coverage, you have the freedom to choose where to use your funds for the best quality medical care.
Having disability and critical illness insurance can be essential for protecting your finances and ensuring that you and your family are able to maintain your standard of living. It can provide peace of mind knowing that you will have financial support during a difficult time, allowing you to focus on your health and recovery.
At Robinson Insurance & Financial Services, we offer a wide range of disability and critical illness insurance options to fit your needs and budget. It is important to consult with us to explore the range of options and customize a plan that fits your unique needs.
Health and Dental, Group Coverage Insurance
Health and dental coverage is essential for maintaining good health and well-being without the worry of wondering how you will cover the high costs of medical or dental bills.
It offers a range of coverage options, including prescription drugs, dental care, vision care, and paramedical services, among others. At Robinson Insurance & Financial Services, we offer benefit plans for singles, couples, and families looking for help with a plan to cover these ever-increasing medical costs. Let us help you find the coverage and plan that fits your family and your budget. Call our office today and find the peace of mind that comes with knowing your family’s health needs are covered.
Group Health and Dental Coverage provides comprehensive health and dental benefits to employees and their dependents.
It offers a range of coverage options, including prescription drugs, dental care, vision care, and paramedical services, among others. By providing employees with access to these benefits, employers can improve their overall well-being, job satisfaction, and productivity. Group coverage can also be a cost-effective way to manage healthcare costs for both employers and employees. Contact our office today to find out how a custom group coverage plan can benefit your organization.
Long Term Care Insurance
Long-term care insurance provides financial coverage for those who require extended medical care, such as assistance with activities of daily living due to an illness, injury, or age-related conditions.
This type of insurance can help alleviate the financial burden that long-term care can place on individuals and their families, allowing them to focus on what truly matters - their health and well-being.
Planning for the future can be overwhelming especially with the rising costs of healthcare in Ontario every year. The medical system has its limits and Long Term Care Insurance is the bridge between getting the right care for you and what is affordable. We will provide you with a range of long-term care options that fit your individual needs and budget. Contact our office today to find out how long-term care insurance can benefit you and your family’s future.
Travel Insurance
Travel insurance is an essential component of any trip. It provides coverage for unexpected events such as flight cancellations, lost luggage, and medical emergencies while you are away from home.
Our travel insurance policies are tailored to meet your unique needs, whether you're going on a weekend getaway or an extended vacation. We understand that every traveler is different, which is why we offer a variety of plans that can be customized to fit your specific needs.
Contact us today to learn more about our travel insurance policies and how we can help you protect your travel investment.
Key-Person Insurance
Key person insurance is a type of life insurance policy designed to protect a company in the event of the death or disability of a key employee or executive. This policy can provide the necessary funds to cover lost income, recruitment costs, and other expenses associated with the loss of a critical team member.
As a business owner, it is essential to protect your company's financial future. Losing a key member of your team can be devastating and have long-lasting effects on your business's stability. Key person insurance is an effective way to safeguard your company's financial well-being and ensure that you have the resources you need to weather unexpected challenges.
Contact our office to see how we can provide expert guidance on selecting the right coverage, determining the appropriate amount of coverage, and ensuring that your policy is structured in the most tax-efficient manner.