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INSURANCE
INSURANCE
Believe me, I am a very important component of your entire financial future that you will admire during times of need.
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.....Shabnam Noorani regarding Insurance
Life turns on a dime. One can never predict when life changes unexpectedly and insurance will be needed. Paying a little for insurance now may save you a lot in the long run.
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We offer a full suite of insurance and living benefits products listed below in partnership with Canada's most reputed and renowned companies.
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Life Insurance
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Term
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Permanent
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Whole Life​
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Universal Life
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Disability Insurance
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Critical Illness Insurance
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Long Term Care
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Health and Dental
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Travel Insurance
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Super Visa Insurance
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Group Plans
You can also add supplemental policies such as:
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Lifetime Income Benefits
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Annuities
We carry a variety of insurance plans by partnering with some of Canada’s top insurance companies. We serve as intermediaries between our clients and insurance companies and as an independent brokerage firm, we won’t just find you the best savings and all-around protection plans; we’ll help you map out your financial future, one step at a time.
HOURS & LOCATION
Location
7030 Woodbine Avenue, Suite 300, Markham, ON, L3R 6G2
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227 Owen Blvd
Toronto, ON, M2P 1G9
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Tel: (416) 830-5475
Email: shabnam@thenooranis.com
Hours
Monday - Friday
8:30 am to 5:30 pm
Saturday
9:00 am to 12:00 pm
Evenings by Appointment
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Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.
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Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
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Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.
Life insurance is a crucial step in planning for your future and the future of your loved ones.
Life Insurance
Life Insurance provides you with the safety net for your family members when you are no longer around. It provides you with the option of protecting your ability to earn an income.
Disability Insurance
Do you really want to live without this coverage? If you forgo it, you may pay a high price.
If you couldn't work, could you maintain your lifestyle?
If you work for a living, your lifestyle depends on your ability to earn an income. Which means your standard of living could be seriously threatened if you couldn’t work.
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Disability Insurance provides you with the option of protecting your ability to earn an income.
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Will Social Security and other government benefits protect your financial well-being? Don’t count on it.
The fact is, social insurance programs are built on exceedingly strict definitions of disability. And on lengthy service requirements.
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The bottom line? You may be ill-prepared for the financial hardships a lengthy illness or injury can bring. Disability insurance is the only kind of insurance people have too little of.
Makes a convincing case for having disability insurance, right? Why then is it that people have historically been more likely to buy life insurance, not disability insurance?
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The answer is simple: People are confused by disability insurance. There are so many terms to wrestle with that people just throw up their hands and say, ‘I give up. I’m not buying!’
Throughout your working lifetime, you are more likely to become disabled than you are to die before age 65.
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Let us look at the statistics of becoming disabled before the age of 65.
Likelihood of disability versus death before age 65
Likely enough to make it worth worrying about
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Every 19 seconds someone is injured in an auto accident
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Every 17 seconds someone is injured at work
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Every 4 seconds someone is injured in some kind of accident
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In fact, disability from either injury or illness is a far greater threat than most people realize
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For example, for a 32-year old, a serious disability (three months or longer) is 4 times more likely than death
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Only 3% of mortgage foreclosures are caused by death, 48% are caused by disability
Just How Likely Is Disability?
Critical Illness Insurance
Because saving your life shouldn't cost your life savings..
The inventor of Critical Illness (CI) Insurance, the famous South African cardiac surgeon Dr. Marius Barnard saw the financial hardship experienced by his patients and their families after surviving a critical illness. This made him realize a new form of insurance was required.
Unlike Life Insurance, which pays out on death, critical illness insurance pays once the diagnosis of a serious illness is made and the insured has lived for 30 days after the diagnosis. Since the initial days, this cover has extended to include children .