Tatyana Subbotina Insurance Services Inc.

Tatyana Subbotina Insurance Services Inc. Tatyana Subbotina, Hos.B.A, CHS, CLU,
I have been in the financial services industry since 1997.

Since that time I have practiced as an independent broker serving families and individuals in Southern Ontario and Greater Toronto. As a insurance advisor I help my clients learn how to protect themselves, their families and their assets. Meeting people from different socio-economic and cultural backgrounds, helping them asses their financial needs and risks, and providing them with a financial security strategy is very gratifying.

Do you want to protect what matters MOST? Plan today, secure tomorrow!. Call me (416) 450-7837
07/27/2026

Do you want to protect what matters MOST? Plan today, secure tomorrow!. Call me (416) 450-7837

Out of country travel on your mind? Travel wild, stay safe. We’ve got your back ! Call me (416) 450-7837
07/22/2026

Out of country travel on your mind? Travel wild, stay safe. We’ve got your back ! Call me (416) 450-7837

Do you have a mortgage? Own Your Policy, Protect Your Family—Not Just the Bank! Call me if interested 416 4507837
07/18/2026

Do you have a mortgage? Own Your Policy, Protect Your Family—Not Just the Bank! Call me if interested 416 4507837

Own Your Policy, Protect Your Family—Not Just the Bank! Call me if interested 416 4507837
04/27/2026

Own Your Policy, Protect Your Family—Not Just the Bank! Call me if interested 416 4507837

Your bank isn’t your beneficiary—your family should be!! Call me if interested 416 4507837 Because your loved ones deser...
04/03/2026

Your bank isn’t your beneficiary—your family should be!! Call me if interested 416 4507837 Because your loved ones deserve more than leftover equity

Out of country travel on your mind? Pack your dreams, we’ll handle the rest! Call me re travel insurance 416 450-7837
03/27/2026

Out of country travel on your mind? Pack your dreams, we’ll handle the rest! Call me re travel insurance 416 450-7837

09/27/2023

Will you be able to pay all your bills if become disabled? Will you maintain your lifestyle if got sick? Call me if interested, 416 4507837

Do you save enough for your child/grandchild?! Call me to get all the benefits for your child's education! 416 4507837
09/22/2023

Do you save enough for your child/grandchild?! Call me to get all the benefits for your child's education! 416 4507837

Insurance Industry guarantees for your investments:Last Friday, we learned of the pending collapse of Silicon Valley Ban...
03/16/2023

Insurance Industry guarantees for your investments:

Last Friday, we learned of the pending collapse of Silicon Valley Bank.

Here is a great explanation of what happened from RBC Asset Management:

When banks go bust, clients may start asking: “Do insurers have anything like CDIC?”

This got us thinking about the industry guarantees provided through Assuris. As you know, Assuris is the insurers’ insurer. In the event an insurer is insolvent and unable to pay clients’ guaranteed amounts, Assuris steps in and provides guarantees to the client. It’s important to remember that no Canadian has ever not received a life insurance benefit or segregated fund guaranteed amount.

We will also remind you that the word “segregated” in Segregated Funds has an important meaning. Client money held in Segregated Funds are segregated from the general assets of the insurer. Meaning these assets are protected from the insurer’s creditors.

Let’s dive into the details of the Assuris coverage:

The important point here is that it is 85% of the shortfall with no cap!

For example, if the 100% death benefit guarantee is $500,000 and the market value at the time of death is $300,000, and the insurer is insolvent. Then the beneficiary will receive $300,000 plus 85% of the shortfall, $200,000 totally $470,000.

Here's a link to Assuris’ website with examples of segregated funds.

Take note of the guarantees for GMWBs, there is protection in the savings and income phases.

Assuris provides up to $100,000 in protection for GIAs as well. This is the same level of protection as CDIC’s coverage.

Lastly, from Assuris’ website, remember:

Assuris protects each member company separately. If you have more than one segregated fund policy with guarantees with the same member company, all similar benefits are added together before Assuris’ protection is applied.

As always, we look forward to your comments. (416) 450-7837

Courtesy of Scott Edginton and QFS

Address

1700 Langstaff Road, Unit 1001
Concord, ON
L4K3S3

Telephone

+14164507837

Website

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