Harutyun Ghazaryan - Insurance Broker

12/24/2022

ՇՆՈՐՀԱՎՈՐ ԱՄԱՆՈՐ ԵՎ ՍՈՒՐԲ ԾՆՈՒՆԴ։
С НОВЫМ ГОДОМ И РОЖДЕСТВОМ!
MERRY CHRISTMAS AND A HAPPY NEW YEAR!

10/10/2022

Wishing you a Thanksgiving full of love and happiness!

10/04/2022

📢When it comes to choosing FLEXIBLE, COMPREHENSIVE, and AFFORDABLE insurance coverage to protect the financial security🛡💰 of your loved ones, there is one SIMPLE solution - TERM LIFE INSURANCE.

🤔Whether you are thinking about BUYING YOUR FIRST HOME🏠, waiting for a NEW ADDITION TO YOUR FAMILY👶, preparing for your RETIREMENT ⛴or SAFEGUARDING YOUR BUSINESS 🏭against negative financial repercussions, Term Life Insurance can help you reach your financial goals ✨while offering you several options customized to your changing needs throughout the various stages of your life.

⚖️With a choice of coverage periods ranging from 10 to 40 years (depending on your age), your premium payments will be ADAPTED to your budget 💵and GUARANTEED TO NEVER INCREASE during the selected term. You also have the possibility of RENEWING your coverage or CONVERTING it into permanent life insurance if needed, REGARDLESS OF YOUR STATE OF HEALTH.

🧐Discover more by calling me at ☎️778-833-4540 or sending a 📧message and I will help you find the IDEAL option tailored to your needs at a REASONABLE PRICE!

09/28/2022

CRITICAL ILLNESS INSURANCE
🤔1 in 5 people would have to keep working despite being diagnosed with a critical illness due to financial issues – would you?

🔹 Your recovery is all that matters!
An extended leave due to CANCER, a STROKE or a HEART ATTACK could have a SERIOUS FINANCIAL IMPACT on your family's👨‍👩‍👧‍👦lifestyle.
Critical Illness Insurance provides you the FINANCIAL ASSISTANCE to be used, giving you the time, you need to fully devote yourself to your RECOVERY after diagnosis with almost 25 TYPES OF CRITICAL ILLNESSES.

🔹 Financial assistance when you need it most!
It's worth to know that in case of a critical illness, you could receive a LUMP SUM of money, TAX-FREE, that you could use to make your mortgage payments, cover costs related to the illness such as home nursing care or allow your spouse to take a leave without pay to support you.
It's even possible to RECEIVE BACK THE PREMIUMS YOU PAID if you never get diagnosed with a covered critical illness.

🔹 Getting a second medical opinion at NO ADDITIONAL COST, that's reassuring too!
When you're covered by Critical Illness Insurance, depending on the choice of the insurance company, you may also get access to MEDICAL SECOND OPINION service, at NO ADDITIONAL COST. When illness strikes, it can be very important to know that you can count on a group of specialists for a second opinion regarding your diagnosis and treatment plan.

⏳ DO NOT DELAY your decision to OBTAIN
CRITICAL ILLNESS INSURANCE NOW!

Contact me at ☎778-833-4540 or send a message so we can evaluate your complete insurance needs together.

09/22/2022

Another great opportunity of knowledge improvement and business networking!

08/10/2022

Why Buy Life Insurance on a Child 👦 👧?
For many, the subject is taboo. But there are MANY REASONS for buying life insurance on a child…and some of them may SURPRISE 😮 you.

Life insurance for children:
🔹 Provides PERMANENT insurance at CHILDREN’S RATES. Premium
PAYMENT options of 10 OR 20 YEARS are available.
🔹 Creates a STABLE INVESTMENT 💰 option with TAX-ADVANTAGED
growth 📈 and CASH 💲 VALUE that can be accessed to help fund
future life events.
🔹 When the child reaches the age of majority, OWNERSHIP of the
policy CAN BE TRANSFERRED TAX-FREE giving them their own life
insurance policy they can use to meet their financial planning
needs.
Whatever your reason, Participating Permanent Whole Life Insurance for children is a SIMPLE and AFFORDABLE option that provides the following benefits:
✔️GUARANTEED premiums, cash values, and death benefit.
✔️Eligibility to PARTICIPATE IN THE EARNINGS of the participating
account through DIVIDEND payments (dividends are not
guaranteed, they will vary based on the actual investment returns
in the participating account and are paid at the sole discretion of
the Board of Directors).
✔️ Flexible GUARANTEED INSURABILITY option that guarantees the
child’s RIGHT TO PURCHASE up to $500,000 of ADDITIONAL
INSURANCE at predetermined ages in the future WITHOUT
EVIDENCE OF INSURABILITY.
Why It Makes Sense for Children?
✔️Insuring them when they’re YOUNG and HEALTHY is easy and
affordable.
✔️ Lock in LOWER RATES today. Lifestyle, hobbies, and career
choices later in life may make them uninsurable or subject to
higher, rated premiums.
✔️ Choice of a 10-PAY PLAN (premiums payable for ONLY 10 years)
or a 20-pay plan
(premiums payable for ONLY 20 years), which provides them with
PAID-UP insurance at a time when their needs are high, but their
discretionary income may not be.
✔️ They can use the CASH VALUE in the policy to help FUND ANY
EXPENSES they may need.
✔️ They’ll have PERMANENT insurance protection that can provide
for their own family’s FINANCIAL WELLBEING and the TAX-
EFFICIENT TRANSFER of assets to their heirs.

For more information ℹ️ and quotes feel free to call me 📞 778-833-4540 or send a message 📩 and I will help you to build a STRONG 💪 FINANCIAL FOUNDATION for your children or grandchildren!

07/20/2022

📌Your home may be your biggest investment, and whether it’s your first mortgage or you’re renewing, it makes sense to protect it with some form of insurance that will pay the mortgage if something unexpected happens.

🤔Here you have two choices: mortgage insurance from the bank or term life insurance from an insurance company.

🧐🔎While you may have spent a lot of time looking for the right house or finding the best mortgage rate, you should not rush with the insurance decision. It could be a costly financial mistake.

⚠️Although mortgage insurance from the bank may be convenient because it is easy to apply with no medical testing, but the drawbacks, however, are many and worth to know.

⁉️Interested?

Simply call ☎️ 778-833-4540 or send a text message to book a free consultation and I will reveal the secrets of how to effectively protect your most substantial investment and your loved ones from possible financial burdens.

07/08/2022

07/01/2022

Wishing you and your family a happy, safe, and healthy CANADA DAY! 🇨🇦🎈🌞

06/28/2022

👨‍⚕️🦷 HEALTH AND DENTAL INSURANCE - PROTECT 🛡 YOURSELF FROM OUT-OF-POCKET HEALTHCARE COSTS

Think government health insurance covers all your health needs? Think again🤔

Government health insurance generally covers doctors’ visits and trips to the emergency room. But there are lots of things that are NOT COVERED or fully covered - costs like prescription medication 💊, dental care 🦷, prescription eyeglasses 👁, massage therapists, physiotherapy, or ambulance services 🚑.

This means that you’d be PAYING OUT OF POCKET for them. And if you have on-going health costs, they can quickly add up.

Whether you are self-employed, employed without benefits, in-between jobs, or retired, this is when supplementary HEALTH AND DENTAL INSURANCE CAN PROVIDE COVERAGE for you and your family’s expected and unexpected health expenses not covered by your provincial plan.

Call me now or send me a message and I will help you and your family get the RIGHT COVERAGE CUSTOMIZED for your NEEDS and your BUDGET.

📧 Harutyun.Ghazaryan@outlook .com
📞 (778) 833-4540

06/10/2022

Amazing opportunity to enrich the knowledge and share experiences!