Marinkovski Insurance and Financial Services Inc.

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Mississauga, ON
Marinkovski Insurance and Financial Services Inc.

9059491500 We are located in the heart of Mississauga, and that is exactly what you get when you call us, HEART!

Our clients are not numbers, we know every one of them by face or name! When you walk into the office you will be welcomed, and offered a specialty coffee, tea or cold beverage. We pride ourselves on our integrity, honesty and customer service. We thank you for making the choice to stay with us, and we will earn your business each and every day!

10/16/2026

Every October, the same debate starts in driveways across the GTA: are winter tires actually worth it?

Here's the insurance professional's answer: yes — and not only for the reason you think.

The safety case is real. Winter tires aren't about snow; they're about temperature. Below roughly 7°C, all-season rubber hardens and grips less — which is why the season for winter tires starts well before the first snowfall, on cold dry pavement and morning frost.

But there's a second layer most drivers miss: Ontario requires auto insurers to offer a discount for vehicles with winter tires. How the discount works — the amount, the timing, the conditions — varies, so it's worth a direct question rather than an assumption.

And a third layer, the one that actually matters most: the best insurance outcome is the claim that never happens. Every winter, a meaningful share of collisions come down to stopping distance — and stopping distance is exactly what winter tires buy you. No deductible, no claim on your record, no premium impact. Prevention is the only coverage with no fine print.

Swapping your tires in the next few weeks? Mention it to your agent — and ask how the discount applies to your policy.

MARINKOVSKI INSURANCE & FINANCIAL SERVICES INC.
905-949-1500

10/15/2026

THE ADVISOR’S PERSPECTIVE

Building a Business? Protect What You're Building.

Understanding what you're protecting—and why.

Building a successful business takes vision, dedication and years of hard work. Protecting it should be just as important.

Whether you’re a small business owner or running an established company, every business faces risks that can threaten everything you’ve worked to build.

Business insurance isn’t just another operating expense. It’s an essential part of managing risk, protecting your assets and preserving the wealth you’re working to create.

Because growing your business is important. Protecting what you’ve built is equally important.

🎙️ THE ADVISOR’S PERSPECTIVE
Understanding what you’re protecting—and why.

Marinkovski Insurance and Financial Services Inc.

📞 905-949-1500

Snezana Marinkovski

10/14/2026

"I have life insurance through work." It's one of the most common answers in this business — and it deserves a closer look than it usually gets.

Group coverage through an employer is a genuine benefit. It's also built differently than most people assume, in three ways that matter.

First, the amount. Workplace coverage is often set as a multiple of salary — a formula chosen for a workforce, not calculated for your mortgage, your kids, or your actual dependency picture. For many families, it's a fraction of what the real number would be.

Second, the ownership. You don't control the policy — your employer does. Plans change, get restructured, get reduced. The coverage protecting your family can be altered by a decision made in a meeting you weren't in.

Third — and this is the big one — the portability. Group coverage is generally tied to the job. Leave, get laid off, retire, and the coverage typically ends or changes. Which means it's most likely to disappear during exactly the kind of life turbulence when replacing it is hardest — and you'd be applying for new coverage older than you are today.

None of this means workplace coverage is bad. It means it's a supplement, not a plan. The plan is coverage you own, sized to your actual life, that follows you everywhere.
If work insurance is your whole answer, that's worth a conversation.

MARINKOVSKI INSURANCE & FINANCIAL SERVICES INC.
905-949-1500

10/12/2026

Happy Thanksgiving from all of us at Marinkovski Insurance & Financial Services.

This weekend, most of what matters fits around a table. The people, the food that took all day, the house that's a little too loud and exactly full enough.

In my line of work, I spend the year talking with people about protecting things. Weekends like this one are a good reminder of why — it was never really about the house or the car. It's about everything that happens inside them.

To our clients, and to this community — thank you for the trust you place in us. It's not something we take lightly.

Wishing you a warm, full, slightly chaotic Thanksgiving.

— Snezana

MARINKOVSKI INSURANCE & FINANCIAL SERVICES INC.
905-949-1500

10/09/2026

"My landlord has insurance, so I'm covered." It's probably the most common misconception in all of insurance — and it's worth sixty seconds to correct.

Your landlord's policy covers the building. It generally does not cover you.

What that means in practice: if a fire or flood damages the unit, the landlord's insurance rebuilds the walls — and everything you own inside them is your problem. Your furniture, electronics, clothing, everything. If the unit becomes unlivable and you need somewhere to stay for months, those costs generally aren't the landlord's insurance problem either. And if something that starts in your unit — a kitchen fire, an overflowing tub — damages other units or the building itself, you could be held responsible for far more than the value of anything you own.

That last one is the part renters underestimate most. Tenant insurance isn't really about your sofa. It's about liability — the exposure with no ceiling.

For what tenant insurance typically costs, it's some of the most protection per dollar in the entire industry. If you rent — or your kid just moved into their first apartment — this is the easiest conversation on this page.

MARINKOVSKI INSURANCE & FINANCIAL SERVICES INC.
905-949-1500

10/07/2026

Here's a distinction that explains more claim outcomes than almost any other: insurance is generally designed for the sudden and accidental — not the slow and inevitable.

A pipe that bursts is one thing. A pipe that's been seeping into the wall for two years is another. A windstorm tearing shingles off is one thing. A twenty-five-year-old roof reaching the end of its life is another. Depending on your policy, the first in each pair is typically the kind of event insurance exists for. The second is generally considered maintenance — the homeowner's side of the deal.

That's not insurers being difficult. Insurance works by pooling unpredictable events. Wear and tear isn't unpredictable — it's guaranteed — and a product that covered guaranteed costs would just be a very expensive way to pay your own bills.

The practical takeaway, especially in October: fall maintenance is claims prevention. Cleaning the gutters, checking the roof, sealing what needs sealing — that work doesn't just protect your home. It protects your ability to claim cleanly when something sudden does happen, because gradual damage complicates everything it touches.

Insurance handles the surprises. The predictable stuff is yours — and this is the month to get ahead of it.

MARINKOVSKI INSURANCE & FINANCIAL SERVICES INC.
905-949-1500

10/06/2026

"Forget about style; worry about results." — Bobby Orr

From the defenceman who changed how the position is played — and a line that applies to a lot more than hockey.

Insurance has a style problem. Policies get chosen the way people choose a lot of things: by the number on the front, the brand on the letterhead, how easy the checkout was. All style. None of it tells you the only thing that matters — what happens when you actually need it.

Results, in insurance, look like this: the water coverage that was actually there when the basement flooded. The rebuild number that actually matched construction costs. The regular driver who was actually listed. Nobody sees any of that on the day they buy. Everybody sees it on the day they claim.

So borrow Orr's standard. Don't ask whether your coverage looks good. Ask whether it would perform. Those are different questions — and only one of them pays out.

MARINKOVSKI INSURANCE & FINANCIAL SERVICES INC.
905-949-1500

10/02/2026

Experienced buyers inspect a home before they commit. Very few think to ask the parallel question: how does this home look to an insurer?

It's a different lens than a buyer's, and it notices different things. The age and material of the wiring and plumbing. The roof's remaining life. The heating system. Whether there's a wood stove. A rental suite. How close the property sits to water. These aren't dealbreakers — but depending on the property, they can affect availability, conditions, or cost of coverage, and some of them are expensive surprises to discover during closing week, when your lender is asking for proof of insurance and your leverage is gone.

Older homes across the GTA deserve particular attention here. Character comes with original systems, and original systems are exactly what underwriters ask about.
The strategic move is to run the insurance conversation early — ideally while you're still comparing properties. Two similar houses can carry meaningfully different insurance profiles, and that's information you want shaping your decision while you can still walk away.

House hunting this fall? Snezana can tell you what insurers look for before you write the offer.

MARINKOVSKI INSURANCE & FINANCIAL SERVICES INC.
905-949-1500

09/29/2026

Your home may be one of the biggest investments you’ll ever make. 🏡

So why would you protect it based on price alone?

Not all home insurance policies are created equal. Coverage, limits, exclusions and optional protections can vary significantly from one policy to another.

A lower premium might look attractive—but the real question is: What are you actually covered for when you need to make a claim?

Before choosing a policy based on price, understand what you’re buying and make sure the coverage fits what you’re protecting.

Because when it comes to your home, the cheapest policy isn’t necessarily the best value.

The Advisor’s Perspective
Understanding what you’re protecting—and why.

Snezana Marinkovski

09/23/2026

Life insurance is misnamed. You're not insuring a life — you're insuring an income stream during the years other people depend on it.

Once you see it that way, the product makes far more sense.

Think about what actually disappears if a primary earner dies at 38: not just this year's income, but twenty-plus years of future earnings that were quietly underwriting everything — the mortgage, childcare, education, the other spouse's ability to keep their own career intact. That future income is likely the largest financial asset a young family owns. It's also the only major asset most families leave completely uninsured.

This framing also explains why term insurance is structured the way it is. The dependency window isn't permanent — the mortgage shrinks, kids become self-sufficient, savings grow. Term coverage is designed to be large during the years the gap is largest, and to become unnecessary as your own assets gradually replace the need. Needing less coverage at 60 than at 35 isn't a flaw in the plan. It usually is the plan.

The question to sit with: if your income stopped tomorrow, how many years would your family need to be bridged — and what would that bridge cost?

If you've never run that math with someone, it's a more useful conversation than most people expect. Snezana can help you work through it.

MARINKOVSKI INSURANCE & FINANCIAL SERVICES INC.
905-949-1500

Address

108-5805 Whittle Road
Mississauga, ON
L4Z2J1

Website

http://www.insurancegto.com/

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