Vehicles, property, life, travel and recreational toys all need to be insured assets should you need to make a claim in the event of a loss. Knowing how to customize comprehensive coverage takes experience navigating the top Canadian insurance companies and arriving at the best protection for you at affordable rates. Take the first step and talk to one of our agents.
Thames Financial provides personal attention and effective management relationships for our clients. Our advisors represent major life insurance and mutual funds companies in Canada providing a wide range of products and access to experts within each company.
Our highly experienced advisors are here to assist and advise you taking into account your specific requirements. Unlike those who provide advice based on the size of your investment portfolio, we focus on your needs including tax savings, investment growth and sleep ability; your desire to make sure your investments chosen will not make you worry when the market or interest rate changes.
Protect Yourself and Your Family from the Unpredictabilities of Every Day Life
Life Insurance comes in two distinct forms: term and permanent. Knowing which option is best for your family can be daunting without the professional guidance from an experienced life broker.
The most affordable life insurance is ideal for a set time frame offering protection of your family when you are gone. It maintains your family’s current lifestyle, pays off mortgages and provides money for your children’s education.
Whole life insurance offers protection until the policy holder cancels or passes on with no set timeframe of expiry of benefits by leaving an inheritance so they can enjoy their lifestyle comfortably.
Income protection is often an overlooked coverage available to every Canadian. Whether you need to insure your main income or supplement the coverage from your employer, we can help you find a plan that will give you peace of mind on the job.
Adding this endorsement will allow the first at fault accident to not count against you with your insurance company. As a caution, this endorsement does not transfer between insurance companies.
Protect your family, not your lender or bank. Your home or farm are most likely the largest investment you will ever make. Before signing any mortgage insurance with your lender, look into having your mortgage insurance through your life insurance broker.
The advantages are clear:
- You name the Beneficiary
- If you take your mortgage to another lender, you keep your insurance, no need to re-qualify
- If you die, death benefits are paid to your beneficiary who can use it the way they see fit
- Coverage amount does not decrease overtime unless you decide to adjust the insured amount on the mortgage
- You can choose different forms and choose to carry a death benefit to cover more than you mortgage
- Often less expensive than the lender option