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Insurance

For Lifes Unforseen Events
Be prepared for such events
Life is full of unforeseen events. Most are pleasant, but no one is protected from events that may have devastating consequences on quality of life (death, divorce, illness, etc.). In addition to having to overcome your grief and other emotional problems, you have to carry the financial burden occasioned by such events.
At Insurance 1 Stop, we have designed life and health insurance products that prepare you to confront these situations confidently.

 

Life Insurance

Protect Yourself & Family
Incase of sudden loss

 

Life insurance is essential to all good planning—whether it be to protect your family against a sudden loss of income, insure a key company employee or plan your estate. We have developed a variety of products to meet your specific needs and your financial situation.

 

Objectives Duration of Protection
Universal Life Insurance

  • Obtain life insurance coverage and accumulate additional tax-sheltered sums.
  • Adapt your financial program to your changing needs.
Life
Term Life Insurance

  • Enjoy affordable financial security for a defined period.
10 years,
20 years or
100 years
Permanent Life Insurance

  • Obtain enhanced financial protection with guaranteed cash surrender values and guaranteed premiums.
Life

Disability Income Insurance

Stay Protected In Times of Sickness
Keep your family comfortable

 

Insurance 1 Stop disability income insurance provides you with a source of income to replace your salary during a period of disability resulting from an accident or illness.

Who Should Consider Disability Income Insurance?

Persons who have jobs that do not provide a group insurance plan:

self-employed workers;
small-business owners;
employees, whether or not they are covered by the Workers’ Compensation Act.

Features and Advantages

  • Insurance 1 Stop provides you with disability income insurance in the event of an accident.
  • You receive monthly benefits of between $500 and $4,000 (up to a maximum of 70% of your monthly income).
  • Your benefits are paid for two years or until you reach the age of 60.
  • You may choose a waiting period of 0, 30 or 120 days.
  • The waiting period is the period between the beginning of the disability and the beginning of benefit payments.
  • Additional protections—disability income insurance in the event of an illness, business overhead expense insurance and hospitalization insurance—are available.

Critical Illness Insurance

Recover With Ease
worry less about your financials

 

Insurance 1 Stop critical illness insurance provides you with a lump-sum payment after a critical illness is diagnosed. As a result, you can devote 100% of your energies to your recovery, without worrying about the financial impacts of the illness.

 

Who Should Consider Critical Illness Insurance?

Anyone who wishes to be protected against financial concerns resulting from a critical illness:

  • persons who would like to obtain specific medical treatments;
  • parents who would have to temporarily leave their jobs to devote themselves to the recovery of their child;
  • persons who would like to have home nursing care or to go on a trip to assist in their recovery;
  • business owners or self-employed workers who would have to compensate for the loss of productivity or clients after an illness.

Features and Advantages

  • You obtain a tax-free lump-sum payment 30 days* after diagnosis of a critical illness. This payment may be used in any way you wish, without restriction.
  • Your premiums and protections are guaranteed, renewable every 10 years or level up to the age of 75 years or for your lifetime.
  • You can obtain protection of between $10,000 and $2 million.
  • Insurance 1 Stop reimburses the premiums in the event of the insured’s death if the insured was not entitled to payment of the benefit.
  • You may surrender your insurance and obtain a refund of your premiums.*
  • Additional benefits are available.
  • You may insure up to nine persons under the same contract.
  • *Certain conditions apply.

Insurance Without Medical Examination

Cant Get Insured ?
Medical history holding you back

 

Requiring no medical examination or blood test, this type of insurance is intended for persons who for medical reasons have difficulty obtaining insurance.

 

Who Should Consider Insurance Without Medical Examination?

Persons who for medical or other reasons have difficulty obtaining life insurance.

Features and Advantages

  • Insurance 1 Stop provides a guaranteed sum insured for your lifetime, including guaranteed cash surrender values.
  • You may stop paying the premium before the anticipated time and obtain a reduced and guaranteed amount of insurance for your lifetime.

Mortgage Insurance

Home Protection Plan
Credit Insurance at its best…

 

The various types of credit, such as mortgage loans, mortgage lines of credit personal loans, personal lines of credit, etc. are quite common, and like most people you probably use this alternative to meet your financial obligations.
Credit insurance, often offered in conjuncture with these types of credit, is intended for anyone who has a mortgage and/or personal loan and/or line of credit.
To meet your credit insurance needs and ensure financial security in the event of death or disability, we suggest you subscribe to our flexible term life insurance which offers a full line of features and distinctive advantages.

 

Features and advantages of credit insurance

 

Your advisor will guide you in the most appropriate selection for complete coverage that will meet your personal needs. Contact your financial advisor today.

 

  • You can insure all types of loan or line of credit, both personal and mortgage.
  • You can select life insurance coverage on an individual or joint basis.
  • Flexible protection with a term of up to 30 years.
  • Your premiums are guaranteed and remain the same for the duration of your coverage.
  • You can opt for additional coverage that protects you in the event of disability and/or critical illness.
  • You can convert your credit insurance coverage into permanent life insurance according to the evolution of your needs, regardless of your state of health.
  • Rather than subscribe to credit insurance for each of your active loans, you can now consolidate all your loans by subscribing to a single insurance policy, which allows you to adapt the premiums to your budget.
  • Your contract remains in force if you change lenders.
  • You can negotiate the best loan rate from the financial institution of your choice and keep your insurance intact, regardless of changes in your state of health.
  • In the event of death, the money is paid tax-free to the beneficiary of your choice. The beneficiary can use the money in any way he pleases.

Dental & Health Insurance

Take Care of Your Family
and your medical expenses!

 

We offer a range of coverage providing for the reimbursement of health care expenses, such as the cost of prescription drugs, dental care and home care.

 

Home Care Insurance

Home care insurance covers the costs of medical assistance and home care required following hospitalization or day surgery.

Medical Expenses

This coverage enables members to obtain reimbursement for:

  • prescription drugs;
  • hospitalization costs;
  • ambulance costs;
  • medical care;
  • paramedical care (chiropractor, massotherapist, physiotherapist, psychologist, etc) or eye care costs
  • emergency expenses outside the province of residence.

Dental Care

This coverage guarantees the reimbursement of dental fees for the member and his family and is offered in a choice that includes preventive care, basic care, major care, and orthodontic care.

Non-Contract Reimbursement of Medical Expenses

Under this plan, employers can offer some of their members the reimbursement of medical expenses that are not eligible under the basic contract, without having to extend the plan to all employees. This is an interesting and attractive formula for key employees, since medical expenses are paid using pre-tax dollars. The policyholder will find the plan practical, since the plan costs are assumed for the target group of members only.

Vision Care

This coverage provides for the reimbursement of vision care such as eye examinations and the purchase of contact lenses or corrective lenses for the member and his family.

Employee Assistance Program

The Employee Assistance Program (EAP) is a way for employers to help prevent the onset of disability. The EAP gives members and their immediate family confidential access to professional resources and assistance in time of need.

Visitor & Travel Insurance

Leave Nothing To Chance
Even on vacation

 

We provide full coverage and emergency medical assistance so that you can travel worry free.

 

Emergency Out-of-Province Medical Expenses

This insurance for emergency medical expenses provides full coverage during travel outside the province of residence. It covers hospital, medical and surgical expenses up to a lifetime limit of $4 million.

Out-of-Canada Medical Assistance

Emergency out-of-Canada medical assistance is provided 24 hours a day, seven days a week. Some of the services offered are:

  • access to a multilingual telephone service at all times;
  • repatriation of the insured to his domicile or to the closest hospital;
  • repatriation of members of the immediate family;
  • repatriation of the insured’s body in the event of death;
  • return of the vehicle
  • access to travel information.

Trip Cancellation Insurance

This optional benefit covers up to $5,000 in fees when unforeseen circumstances lead to the cancellation or interruption of a trip. To find out which fees are covered or for more information, contact the a sales representative.

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