Employer coverage is temporary—you lose it if you leave your job. It’s also usually not enough to fully support your family. A personal policy puts you in control, not your employer.

Example: Relying only on work insurance is like renting an apartment—you have a roof over your head, but it’s not really yours. The moment you switch jobs or retire, that coverage is gone. A personal policy is like owning your home—it stays with you, no matter what.

If you’re diagnosed with a serious illness like cancer, heart attack, or stroke, this policy pays out a lump sum of tax-free cash. It helps cover medical costs, lost income, or other expenses while you recover—so you’re not relying on savings or family for support.

Example: Imagine getting a call from your doctor with bad news. Now, instead of worrying about medical bills or lost income, you have a financial cushion to focus on recovery, not money. That’s what Critical Illness Insurance does—it gives you cash when you need it most.

No. Disability insurance replaces lost income on a monthly basis if you can’t work, while Critical Illness Insurance gives you a one-time payout upon diagnosis, even if you can still work. They protect against different risks.

Example: Think of disability insurance as a paycheck replacement—it helps you pay your bills over time if you can’t work. Critical illness insurance is a lump sum payout—it gives you the freedom to cover anything you need, whether it’s treatment, home care, or even taking time off work to heal properly.

Medical emergencies can happen anywhere, anytime. A simple ER visit in the U.S. can cost thousands of dollars per hour. Even within Canada, travel insurance covers things like air ambulance services and unexpected medical costs.

Example: A tourist in the U.S. needed emergency surgery. The bill? $75,000—all out of pocket because they didn’t have travel insurance. A $30 policy could have saved them tens of thousands of dollars.

Many policies do cover pre-existing conditions, but some require a stability period (e.g., no recent changes in medication or treatment). The key is choosing the right policy for your health situation.

Example: It’s like trying to book a last-minute flight—some airlines might let you board, but you’ll pay a premium. If you plan ahead and choose the right policy early, you’ll save money and avoid coverage gaps.

Travel insurance with Trip Cancellation & Interruption coverage reimburses non-refundable expenses if you cancel due to illness, family emergencies, or unexpected travel restrictions. It also covers hotel, flight, and food costs if you’re stranded.

Example: Imagine booking a dream vacation and a week before departure, a family emergency forces you to cancel. Airlines and hotels don’t always refund last-minute cancellations, but with travel insurance, you get your money back instead of losing thousands.

There’s no one-size-fits-all. The best plan depends on your age, health, income, family, and future goals. That’s why we tailor every plan to make sure you get exactly what you need—nothing more, nothing less.

Example: Choosing insurance is like shopping for shoes. If they’re too small, they don’t fit. If they’re too big, you’re paying for something you don’t need. The right plan is the one that fits your life perfectly. 📞 Still have questions? Let’s talk—no pressure, just clarity. 👉https://connect.myrmmayuga.ca/widget/booking/IsokIteJ904ckgizEsBK