Have you recently or will you soon:
Immigrate to Canada?
Buy a home?
Take on a business loan?
Got Married?
Taken out or renewed a mortgage?
Purchased or started a business?
Retired?
Had a baby?
Quit smoking?
Make any other major changes in your life?
If your answer is "Yes" on any of these questions, please email: michael@arbetov.com
Insurance Portal
Saves you time and money to easy buy insurance online, understand the value of health insurance, find out what is the best insurance coverage to buy. To travel to Canada or from Canada please choose proper web insurance plan for Emergency Medical Insurance
and other insurance products for Canadian residents.
Service AreaWe are licensed in provinces: Alberta, British Columbia, and Ontario. To buy visitors to Canada emergency medical insurance or Health and Dental plans you may reside in any Canadian provice such as Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland, Nova Scotia, Northwest Territory, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, or Yukon Territory and buy coverages online.
We have clients in Abbotsford, Aldergrove, BC Northern, Beaumont, Bowser, Burnaby, Calgary, Chilliwack, Cloverdale, Coquitlam, Delta, Deep Cove, Edmonton, Etobicoke, Fleetwood, Fraser Valley, Greater Vancouver, Kelowna, Ladner, Langley, Maple Ridge, Mission, Nanaimo, New Westminster, North Vancouver, North Bay, North York, Ottawa, Pemberton, Pitt Meadows, Port Coquitlam, Port Moody, Richmond, Sarnia, Squamish, Sunshine Coast, Surrey, Thornhill, Toronto, Vancouver, Vancouver Island, Victoria, White Rock, West Vancouver, Wistler
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| Needs Analysis |
Before buying any Life Insurance, Critical Illness Protection, and Disability Insurance you have to calculate what family financial needs will be. To do that make sence to assume a percentage of income to be replaced, what could be rate of investments made (from insurance money), expected inflation rate, and number of years to be replaced. There are some tips to help you do this.
- As usual Income to be Replaced
- Do not assume investment rate higher than 8% (we recomment 4%-6% depending on risk tolerance and a perion of time)
- Bank's of Canada target of inflation rate> is between 1% and 3%.
If you want to be financial secure you have to buy portfolio of protection insurance. It must be a combination of Life Insurance, Critical Illness Protection, and Disability Insurance. Call us for the proper combination.
List of Insurance Companies here
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Insurance Providers
We can offer the service from the majority of Canadian life insurance companies. Among them are top-rated companies:
TIC - Travel Insurance CoordinatorsPacific Blue Cross Canada
Travel Underwriters
AIG Life Canada
Blue Cross Canada Insurance
Canada Life
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the oldest Canadian insurance company, Great West Life Canada
Empire Financial Canada
Equitable Life - one of the biggest Canadian mutual insurance companies
Federated Insurance
Green Shield Canada
IAP - Industrial Alliance Pacific of Canada
Manulife Canada - Manufacture Life, one of the biggest in Canada insurance company, is a leading provider of life, health, disability and travel insurance.
RBC Insurance
Standard Life Canada
Transamerica Life
We are also able to submit a contract with almost any of other life insurance, critical illness insurance, disability insurance, travel insurance, visitor insurance, dental and medical insurance, long term care insurance companies if they would service the financial needs of existing and prospective clients better then current ones. International Insurance
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