Life Insurance
Life Insurance
Term, whole life, and universal life guidance for Ontario families who want protection that actually matches their responsibilities.
Insurance Products
Start with what you need to protect
Choose a starting point below. Each product has a quick consult option and a plain-language guide if you want to understand the details first.
Life Insurance
2 options
Start here when someone depends on your income, debt would be hard to carry alone, or a serious illness would interrupt family cash flow.
Travel Coverage
4 options
Start here when someone is entering Canada, leaving Canada, or needs medical coverage before a school or provincial plan begins.
Investment & Savings
1 options
Start here when education, retirement, tax-free savings, beneficiary planning, or insurance contract features are part of the conversation.
Health & Business
3 options
Start here when paycheques, employee benefits, routine care costs, or a small business team need a more durable plan.
Product Category
Life Insurance
Family protection, income replacement, critical illness, and long-term planning.
Product Category
Travel Coverage
Super Visa, visitor, travel medical, and international student coverage.
Popular for familiesTravel Coverage
Super Visa Insurance
IRCC-compliant emergency medical coverage for parents and grandparents applying for a Canadian Super Visa.
Travel Coverage
Visitor to Canada Insurance
Emergency medical coverage for people visiting Canada who are not covered by a provincial health plan.
Travel Coverage
Travel Insurance
Travel medical and trip protection for Canadian residents leaving Canada for vacation, family visits, business, or extended trips.
Travel Coverage
International Student Insurance
Private emergency medical coverage for international students when school, provincial, or arrival-date coverage is incomplete.
Product Category
Investment & Savings
RESP, RRSP, TFSA, and segregated fund guidance for family goals.
Product Category
Health & Business
Disability, health and dental, group benefits, and business protection.
Health & Business
Disability Insurance
Income protection if a covered illness or injury prevents you from working.
Health & Business
Health & Dental Insurance
Private health and dental options for prescriptions, dental care, vision, therapists, and family health expenses.
Health & Business
Group Benefits
Health, dental, life, disability, and employee support benefits for small businesses that want to protect their team.
How to choose
Good insurance starts with the situation, not the product name
A strong insurance plan should answer one practical question: what cost, loss, or responsibility would put pressure on your family if it happened tomorrow?
Pinky helps you compare the fine print, including coverage limits, eligibility, medical underwriting, exclusions, stability periods, deductibles, refund rules, renewal terms, and how claims are handled.
Which insurance product should I start with?
Start with the financial risk that would hurt your family most: a parent visiting Canada without medical coverage, income loss after illness or injury, premature death, a large dental or prescription expense, or business employees without benefits.
Can one advisor help with travel, life, health, and savings products?
Yes. A licensed insurance advisor can help compare eligible life and health insurance products, visitor and travel medical plans, and insurance-based savings options from Canadian providers.
Are pre-existing conditions always covered?
No. Pre-existing condition coverage depends on the insurer, plan, stability period, medical history, and policy wording. Always review the exact stability clause before buying coverage.
Get in Touch
Have a question? Send a message.
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