Life Insurance, Disability Insurance, No Medical insurance, provided for Ontario residence. Carmen is fully licensed by Federal Securities Commission's of Ontario
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CARMEN SCHNARR IS VERY PROUD TO PROVIDE LIFE, DISABILITY, NO MEDICAL INSURANCE IN ONTARIO.
It is estimated that about 75% of Ontario residents hold life insurance according to the Canadian Life and Health Association. This is an excellent rate compared to the national average which is around 60% (globe and mail). We should be very proud of our family values in Ontario.
Carmen acknowledges that shopping for insurance can be confusing, even intimidating at times. But, it can be boiled down to a simple question: what do you need insurance for?
Do you need it for income replacement — to provide income for your spouse and dependent children in the years after your death, or are your children all grown up and you’re looking at life insurance as a way to offset the taxes they’ll have to pay when you pass on your estate?
Some people believe they do not need life insurance in certain situations:
some couples make the mistake of insuring only the partner who brings in the paycheque, and forgetting about the one who is keeping house and taking care of the kids at home
if your single buying house you may think you do not need life insurance however the bank my require it or you may want some coverage so that your loved ones can take adequate time selling the house and don't incur cost during a very difficult time.
Carmen will be very happy to help you find the coverage best suited for you.