Insurance Products

This information is designed to help you understand and make informed decisions on how much protection you need today, and what you may need protected as life changes.

Meeting the needs of our clients' risk management and estate planning objectives often involves the use of insurance products. Today, more than ever, there is a broad range of insurance programs tailor-made for specific protection requirements, and as an independent broker, Carte Risk Management Inc is ideally positioned to search the market for the best product at the best price to meet your specific needs. The following is a list of some of the different types of insurance plans available to our clients through Carte Risk Management Inc such as health insurance, life insurance, and travel insurance.

Life Insurance

Temporary
Protection

Term
Insurance

Permanent
Protection

Long-Term Care
Insurance

Disability Insurance

Critical Illness Insurance

Screen Shot 2021-06-24 at 10.50.26 AM.pn
Screen Shot 2021-06-24 at 10.50.32 AM.pn
Screen Shot 2021-06-24 at 10.50.34 AM.pn
Screen Shot 2021-06-24 at 10.50.37 AM.pn
Screen Shot 2021-06-24 at 10.50.41 AM.pn
Screen Shot 2021-06-24 at 10.50.44 AM.pn
Screen Shot 2021-06-24 at 10.50.26 AM.pn

Temporary Protection

“Temporary” life and health insurance provides protection against certain financial risks that can be financially crippling but in most cases, can overcome. For example, in the event that an income earner is lost, especially early in life, there can be significant financial stress on their loved ones left behind. Will the mortgage still be paid? Can there still be money put away for the children’s education? Will the family be able to preserve their standard of living? Temporary life and health insurance can help.

Screen Shot 2021-06-24 at 10.50.32 AM.pn

Term Insurance

Term insurance refers to the insurance used to help with financial obligations during these temporary situations. The cost of term insurance is substantially lower than the permanent insurance alternative.

Screen Shot 2021-06-24 at 10.50.34 AM.pn

Permanent Protection

Term insurance refers to the insurance used to help with financial obligations during these temporary situations. The cost of term insurance is substantially lower than the permanent insurance alternative.

Screen Shot 2021-06-24 at 10.50.37 AM.pn

Long Term Care Insurance

With more people retiring than ever before, there will be a high demand for long-term care. These expenses pose a significant risk to retirement savings. Canadians deserve the peace of mind that comes from knowing that they will be able to afford long-term care without causing financial stress on their families. Long-Term Care Insurance benefits help pay for the cost of such expenses as nursing home fees or in-home care fees. 
In most cases, benefits are paid daily or weekly once the insured is determined to be no longer able to adequately care for themselves. 

Screen Shot 2021-06-24 at 10.50.44 AM.pn

Critical Illness Insurance

Critical Illness Insurance pays a lump-sum, tax free benefit  even if you are still able to work. The benefits can be used to pay for medical expenses, or for expenses not related to the illness, such as your mortgage or a relaxing vacation.

Screen Shot 2021-06-24 at 10.50.41 AM.pn

Disability Insurance

Disability Insurance usually pays a benefit amount equal to a percentage of your salary every month if you are unable to work. 

Ready to start protecting your future with TMC insurance?