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Insurance & Investment Solutions
Miles for Memories, Protection for Your Family
Safe guarding your loved ones in every moment, including medical emergencies.
Unwavering Protection Against Medical Surprises
24/7 Emergency Assistance at Your Fingertips
Customizable Coverage Tailored to Your Trip
Pre-existing Conditions? No Problem!
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Transparent and tailored to your life's goals.
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Retirement planning with smart strategies and tax-saving solutions.
Affordable & Flexible
Solutions shaped for you, priced for your wallet.
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Frequently asked questions (FAQ)
Why invest in registered products like TFSA, FHSA, RESP and RRSP through segregated funds?
Segregated funds offer unique advantages such as principal guarantees (75%–100%), potential creditor protection, and the ability to bypass probate fees by naming a beneficiary. These features provide added security for your investment, quick and private estate settlement, and protection in case of bankruptcy or lawsuits—benefits not available with traditional mutual funds.
Will compounding in investments help me reach my financial goals faster?
Compounding lets your earnings generate more earnings over time, creating a snowball effect. For example, $1,000 invested at 5% interest grows to about $1,628 in 10 years and $2,653 in 20 years. The longer you invest—even with small, regular contributions—the faster your money grows, helping you reach your goals sooner.
How can permanent life insurance support in retirement planning?
Permanent life insurance builds cash value that grows tax-deferred—often reaching tens of thousands of dollars after 10–20 years. You can access this cash value through Collateral loans or withdrawals to supplement retirement income, providing flexible, tax-efficient funds. Plus, it offers lifelong coverage, adding security to your retirement plan.
Which is better Mortgage Insurance or Individual Life Insurance?
Mortgage insurance pays off your remaining mortgage balance if you pass away, but the payout goes directly to your lender, not your family.
Individual life insurance (like term life) pays a tax-free lump sum to your chosen beneficiaries, who can use the money however they need—paying off the mortgage, covering living expenses, or investing for the future.
Bottom line: Individual Life insurance offers more flexibility, control, and value for your family, making it the preferred choice for most Canadians looking to protect both their home and their loved ones.
Individual life insurance (like term life) pays a tax-free lump sum to your chosen beneficiaries, who can use the money however they need—paying off the mortgage, covering living expenses, or investing for the future.
Bottom line: Individual Life insurance offers more flexibility, control, and value for your family, making it the preferred choice for most Canadians looking to protect both their home and their loved ones.
When should you start investing?
As soon as you have money that isn’t needed for pizza or rent! The earlier you start — the more time your money must grow into a financial superhero, thanks to compounding. So, don’t wait for a “perfect” age—start now.
Can I get a refund of travel insurance if I return home early?
Yes, if you return home before your policy expires and have not made any claims, you can usually get a partial refund for the unused days. Proof of your early return (such as a boarding pass or travel receipt) may be required.
Contact us
You can reach us anytime via financialmiles@outlook.com
