Services You Can Count On, Mortgages, Mortgage Refinance, Insurance & More

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Life is unpredictable so with life insurance you can protect your loved ones from the event of death with ease of mind that final expenses will be taken care of while you have time to do what is important which is grieving the loss of a loved one.

Critical illness insurance depending on the policy negotiated can cover more then over 50 critical illnesses including heart attacks and strokes. providing the ease of mind.

Disability insurance is protection in the event you have an accident or illness that renders you disabled. Your ability to earn income is the most important asset. Disability insurance can provide you with financial security by replacing a portion of your earnings.

Mortgage default insurance also referred to as CMHC insurance is mandatory in Canada for mortgages with less then 20% down. The mortgage insurance allows you to insure up to 95% of your purchase price of your home in the event of disability or illness that can cause a default in payments on a mortgage. In the case of mortgage insurance, the lender is the beneficiary of the policy.

Travel insurance covers the cost and losses that are associated with traveling in the event of an accident or illness that requires a visit to an emergency room. Some policies can even cover loss of personal belongings, rented equipment, rental cars and ransom requests. The main categories of travel insurance are trip cancellations, interruption coverage, medical, accidental death and even flight accident. There are also some policies that can cover 24/7 emergency services such as replacing lost passports, cash wire assistance and rebooking canceled flights.

We all know that dental and health treatments can be expensive. With the current government plans that assist with cost, they do not cover everything. Health and dental coverage can cover up to 100% of costs for glasses, dental, prescription drugs as well massage and therapy if needed.

Segregated funds give the opportunity to grow wealth in the financial markets with an addition of insurance.

Maturity guarantees are a way to protect your assets that range from 75% to 100% of the principle amount. Firstly with these maturity guarantees there are also resets which allow you to reset your maturity guarantee to a better principle amount. for instance if your initial principle amount is $50,000.00 and your investment then grows to $72,000.00 and you wish to do a maturity reset then your not principle maturity guarantee would now be $72,000.00.

Because segregated funds are governed under insurance legislation, the assets that are invested into insurance is protected from creditors with some exclusions. Another great reason is investments that are in segregated funds also bypass probates.

Tina Roux Mortgage Broker
Tina Roux

Mortgage Broker

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What Our Customers Say

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“Tina Rioux-Poulin was amazing when helping us to refinance our mortgage and consolidate our debt. Saved us money every month and she was very efficient. She kept us informed of everything throughout the whole process and made it very easy and stress free!”

Home Owner

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With over 25 years of experience in mortgage refinancing, mortgages and insurance.

Mortgage Refinancing

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Learn More On Mortgages, Mortgage Refinance, Home Equity Loans and Reverse Mortgages

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Understanding your specific needs and objectives is important to us. Mortgage refinance, first time home buyers, reverse mortgage and home equity loans are our specialty. We listen and work together to create a truly unique and unforgettable experience.

“Our previous broker told us we were our of luck because of our consumer proposal. Had the chance to speak to the team at IMI and they were able to get us a private mortgage to pay off our consumer proposal early!.”


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