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Insurance - You Have Options.

Everyone deserves the security and peace of mind that comes with insurance.

 

While traditional life and critical illness insurance offer fantastic protection and good value for your family, if you’re having difficulty getting coverage because of a variety of personal health conditions there are still options available to you.


In recent years two new categories of insurance products have emerged:


Guaranteed-Issue products – that offer coverage without the medical questions


Simplified-Issue products – that provide various levels of coverage based on a few simple health questions


If you have existing health issues that make obtaining insurance a bit more complicated, this is great news – you can still have some form of insurance coverage to protect yourself and your family. A great relief because everyone deserves the security and peace of mind that comes with it.


Keep in mind that the cost of premiums for guaranteed and simplified-issue products can be higher than traditional products are for healthy individuals, and it’s important to look at the benefits and waiting periods to ensure they meet your needs. If you have one or more conditions such as a previous cancer diagnosis, heart condition, diabetes, recreational drug use, depression, or a driving (e.g. DUI) record, you can take a look at both the traditional and the guaranteed/simplified issue products to assess the benefits and value in your unique situation.


You will also find that the process for issuing these policies is streamlined (without traditional full underwriting) so it’s fast and simple.

 

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Take every advantage.

At Mosby we believe everyone should have access to good quality, independent advice. That’s what we do, and that’s why we're here; to give people the knowledge and the confidence that they need to find their way forward.

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PROUDLY SERVING CALGARY AND SURROUNDING AREAS FOR OVER 40 YEARS

MOSBY - 610, 4838 Richard Rd. SW Calgary, AB, T3E6L1

Mosby and its affiliated entities, including Mosby Insurance Agencies Ltd., Mosby Group, Mosby Company, and Mosby, are committed to a client-first approach, focusing on the needs of individuals over institutions. We empower you to create your future through trust, collaboration, and unbiased professional advisory. Independence is not just the end goal; it is the process.

The information provided is based on current (2024) regulations, laws, and all additional rules applicable to Canadian residents and is accurate to the best of our knowledge as of the date of publication. This information is general in nature and should not be relied upon as a substitute for individual advice in any specific situation.

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