People generally do not like to think about needing life insurance.
However, including insurance in your financial plan now can benefit you and your family in the future. Life insurance should be an integral part of your financial plan. It’s a crucial component of estate planning and can simplify estate settlements.
Life insurance can minimize the financial strain, by helping you to:
- Pay death-related expenses including funeral costs and income tax
- Maintain the standard of living your family is accustomed to
- Ensure important plans stay on track like saving for a home or your children's education
Life Insurance is Love Insurance
Protect Your Family
Safeguard the people closest to you by replacing lost income to help your family
Keep Your Home
Let home remain their home by making sure your family can still pay off large expenses, like a mortgage
Plan Ahead
Your legacy can offer a more certain future by covering education and funeral costs, and providing for future income
TYPES OF LIFE INSURANCE
Term Insurance
Term life insurance is a type of life insurance that provides coverage for a specified term, usually ranging from 1 to 30 years. It pays a death benefit to the policy's beneficiaries in the event of the policyholder's death during the term.
Whole Life Insurance
Whole life insurance, also known as permanent life insurance, is a type of life insurance that provides coverage for the policyholder's entire life, as long as premium payments are made.
Participating Whole Life Insurance
Participating whole life insurance is a type of whole life insurance that includes the opportunity for policyholders to participate in the insurer's profits. This can result in higher cash values and potentially higher dividends, which are paid out to the policyholder.
Kapur
Financial Group
We help to find you the best solutions catered to your unique situation.
Types of Living Benefits
Critical Illness Insurance
Health Insurance
Disability Insurance
Long Term Care Insurance
Mortgage Insurance
Life Insurance
Pays out the
Mortgage Lender
Term ends when mortgage is paid off or switch lenders
Coverage is only for the mortgage amount
Coverage will end when moving or changing lenders
Pays out to
beneficiaries
You choose the term
Coverage can be for whatever amount wanted
Keep your coverage if you move homes
I already have mortgage insurance,
Isn't that enough?
While mortgage insurance's direct purpose is to pay off the mortgage and lender should something happen to you, life insurance can also do that while leaving your family the support they require to stay in the family home.
Safe Guard Your Next Adventure with Travel Insurance
Travel insurance is a type of insurance coverage designed to protect traveller's from unexpected events while traveling, such as trip cancellations, medical emergencies, lost luggage, or other incidents. The insurance provides financial protection and assistance services to ensure that traveller's are able to complete their trip as planned.
Bindu Kapur
Insurance Broker and Mortgage Agent Level 2
Bindu has been in the Financial Services Industry since 1994, where she initially joined The Mutual Group as a Life Insurance Agent and Mutual Funds Representative.
Her educational background includes a Bachelor of Arts from York University, which she completed in 1996. She also completed her Certified Financial Planners (CFP) certification in 2000. She has also completed the Financial Services Underwriting program from Seneca College.
Bindu Kapur is a Financial Planner, dealing in Life Insurance, Living benefits, Investments and Mortgages. She believes her clients' needs come before anything else and embraces total and long term planning to build a relationship with clients.
Giulia Siggia
Executive Assistant and Mortgage Agent Level 1
Giulia Siggia is an experienced mortgage agent and executive assistant to Bindu Kapur. With over 10 years of customer service experience and 4 years in the mortgage industry, Giulia is committed to helping clients reach their homeownership goals.
Holding a Bachelor’s Degree in Healthcare Management with Honours, Giulia has always been passionate about helping others. She recognizes that all clients have had different paths in life and provides the best advice to them by listening to their stories to understand what is most important to them.
Let's start a conversation
Phone
416-616-2775
Email
bindu@kapurfinancial.com
Social Media
Website