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Our coverage plans help pay the costs associated with surviving a life-altering illness and protect you from financial ruin.
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We provide services in BC, ON, SK, AB & MB.
It is a type of policy that protects the lender/banks by ensuring the remaining mortgage balance is paid off if the homeowner passes away. Unlike any Personal Insurance (like Life, Critical and Disability insurance), which provides financial security to the policyholder’s family, Mortgage Insurance solely benefits the lender. It is typically required for high loan-to-value mortgages, ensuring that the bank or financial institution recoups its loan amount. However, it does not offer any financial support to the homeowner’s family, leaving them without additional funds for living expenses, debts, or future needs.
Mortgage loan insurance Canada protects the lender when the down payment is under 20%. Mortgage protection insurance safeguards the mortgagor—covering payments or the balance if they are disabled, unemployed, or pass away.
Compared to Mortgage Insurance, which only covers the outstanding loan balance, Personal Insurances offer greater financial security by providing a lump-sum payout directly to the policyholder’s family rather than the lender. Personal Insurance gives beneficiaries the flexibility to use the funds for various needs, such as mortgage payments, daily expenses, debts, or future financial goals. Additionally, Personal Insurance coverage remains intact even if the homeowner sells or refinances the property, ensuring long-term protection without restrictions imposed by the lender.
Follow simple steps to get personalized coverage for mortgage protection.
Click on Apply Now to schedule a free consultation with the founder.
Provide the required information to qualify for your insurance application.
Secure your home, hassle-free
96% of approved applications are processed within 48 hours
Apply NowReceive a personalized quote designed to meet your specific coverage needs.
Once approved, you’ll receive your insurance policy and your coverage begins.
Offers stable coverage, flexible usage, and stays active regardless of refinancing or moving.
Your loved ones get the payout, not the lender, giving them financial security.
Use the money for bills, education, debts, or anything your family needs.
Your insurance amount stays the same, unlike mortgage insurance, which drops over time.
Your policy remains active even if you refinance, switch lenders, or move homes.
Life, disability, and critical illness protection in a single policy for total financial security.
Instead of relying on Traditional Mortgage Insurance, homeowners can secure their mortgage more effectively with a comprehensive personal insurance plan that covers life, critical illness, and disability under one policy. With this approach, if the policyholder passes away, is diagnosed with a serious illness, or becomes disabled and unable to work, the insurance provides a lump-sum payout that can be used to cover mortgage payments or any other financial needs. Unlike lender-provided mortgage insurance, this solution gives homeowners and their families full control over the payout, ensuring that they are not just limited to mortgage repayment but also have the flexibility to manage household expenses, medical bills, or other obligations. Our all-in-one insurance product offers this level of protection, ensuring that no matter the circumstance, your home and financial future remain secure.
Secure your loan and family's finance against life’s unexpected turns with the best mortgage life insurance in Canada.
Schedule A MeetingPersonal insurance safeguards your home and finances, unlike lender-driven mortgage insurance. Mortgage insurance only helps the lender, but a well-structured Insurance Policy protects both your home and your family. With Personal Insurance, your loved ones receive a payout that they can use however they need, whether to cover mortgage payments, daily expenses, medical bills, or future goals. Unlike mortgage insurance, which only pays off the remaining loan, Personal insurances give your family full financial control and security. Choosing the right plan means that no matter what happens, your home stays protected, and your family stays financially stable.
Get a plan that covers your mortgage and secures your family’s future.
A 10, 20, or 30-year policy can align with your mortgage duration.
Include critical illness & disability coverage for extra financial security.
Our team will help you find the best plan for your unique needs.
Offers greater control, lasting coverage, and broader benefits compared to lender-driven mortgage insurance.
Our comprehensive Personal Insurance Plan goes beyond just paying off your mortgage. It provides a lump-sum payout that your loved ones can use however they need, whether for mortgage payments, household expenses, or future financial security. Unlike mortgage insurance, which only benefits the lender, this plan ensures you and your family are fully protected. It also includes critical illness and disability coverage, offering financial support if you are diagnosed with a serious illness or unable to work due to an injury. Since this policy is not tied to your mortgage, it stays with you even if you refinance or move, giving you lasting security and peace of mind.
Know the risks of disability or illness before 65 and how to plan accordingly.
When it comes to protecting your home, it’s important to consider the risks of becoming disabled or critically ill before the age of 65. The likelihood of facing these challenges varies with age and gender, but the risks are real for everyone.
| Age | Becoming disabled before the age 65 | Becoming Critically Ill before age 65 |
|---|---|---|
| 25 | 44% | 18% |
| 30 | 43% | 18% |
| 35 | 40% | 18% |
| 40 | 38 | 17% |
| 45 | 35% | 16% |
| Age | Becoming disabled before the age 65 | Becoming Critically Ill before age 65 |
|---|---|---|
| 25 | 37% | 22% |
| 30 | 36% | 22% |
| 35 | 35% | 22% |
| 40 | 33% | 22% |
| 45 | 30% | 21% |
Provides financial flexibility and long-term coverage beyond paying off a home loan.
Many believe mortgage insurance protects their home - but it’s the lender who benefits. Personal insurance puts the payout and decisions in your hands, not the bank’s.
| Feature | Mortgage Insurance | Personal Insurance |
|---|---|---|
| Who Gets the Money? | Lender receives the payout | Your family gets the payout and decides how to use it |
| Coverage Amount | Decreases as mortgage is paid off | Stays the same or increases over time |
| Usage of Funds | Can only be used to pay off the mortgage | Can be used for mortgage, expenses, medical bills, or savings |
| Tied to Mortgage? | Yes, ends if mortgage is paid off or refinanced | No, stays with you even if you move or refinance |
| Covers More Than Death? | No, only covers death | Yes, covers death, critical illness, and disability |
| Beneficiary Control | Lender controls the payout | The control over funds depends on the beneficiary designation |
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