GIVING BACK TO HUMANITY NIKITA SHARMA
Q: What inspired you to get into the health industry and become a Mind & Body Coach?
A: I remember something my Dad said when I was very young. He said “the purpose of one’s life is to find a way to give back to humanity.” I liked that. That was a cause I could get behind. I was an environmental consultant for the early part of my professional career, yet I found myself feeling extremely unfulfilled in that industry. I remember looking around my office and dreaded the thought of spending most of my life climbing the corporate ladder. So, I asked myself what was I good at and how could I give back to humanity? I realized I had a gift to share (fitness) and I couldn’t squander it sitting in a desk for the rest of my life.
I was an athlete growing up and I loved to play sports. I especially loved sprinting. As I got older, and the challenges of life began to present themselves, I began to see how exercising put me in a state of mind that gave me clarity and helped me resolve most of my problems. As a child, I faced bullying, racism and there were moments where I felt very alone. Exercise helped me process my emotions and became a form of therapy for me. I saw the profound effects this had on my life and I wanted to share this ability to handle life problems with others.
Q: Who were your role models (personal and professional) growing up? Are they different in adulthood?
A: For my personal role model, it’s my Dad because he gave me my entrepreneurial spirit. I remember him saying things like “A person will never get rich working for someone else”. He taught me how to work hard and work with my hands by putting me and my siblings to work on our blueberry farm. I know how to use power tools, drive tractors and build things thanks to him. My Dad is also an extremely giving and generous man. He always found a way to give back, even if he didn’t have much. I practice giving back in big and small ways because of him and it’s a big part of why I do what I do.
In my professional life, Arnold Schwarzenegger motivated me through some of my hardest moments. I would watch YouTube videos of his speeches and they would motivate me to my core. There is something to be said for good old fashion grit. Arnold always reminded me that if you put your head down, focus and do the work...anything is possible. His dedication and passion for his sport inspired me to keep pushing for my own passion in health and fitness. In fact, anyone that I saw who was fighting against the odds to pursue their passion inspired me. I remember watching the 2013 movie “Bohemian Rhapsody”
and it made me emotional at the end. If people like Freddy Mercury or Walt Disney never followed their dreams, a lot of the great things we have today wouldn’t even exist.
Q: What was the turning point in your life when you decided to take control of your health?
A: I would have to say it was when I got sick and tired of feeling pathetic and sorry for myself. In my early adult life, I was living a life that I wasn’t happy with. I was in a career that I disliked, I wasn’t sure of my direction in life and I was spending my free time doing things to distract myself from this reality. I wasn’t taking care of my body and I was eating food that was fast, easy and cheap.
When I was at my lowest point, I remember saying to myself “enough is enough. I won’t let myself slip any further.” From that moment on I decided to do something about feeling pathetic and useless. A warrior-like spirit within me woke up and I began to fight for the life I wanted. I didn’t know how or what I was going to do, but I knew I needed to get moving to start making myself feel better. I was living in my parent’s basement at the time and I couldn’t afford a gym membership so I began by running laps the length of the basement, back and forth like line drills. Soon after that I got a pullup bar and began to
practice pull ups. Once I got into the habit of moving again, I began wanting to eat better as well. I liked the feeling of feeling strong so as soon as I could afford it, I got a gym membership.
I never wanted to feel like that again and now I help others who are in similar situations to where I was. I feel great honour when people come to me for help because I know reaching out for help isn’t always easy.
Q: How do you achieve balance in your life?
A: I’ve learned that taking rest is just as important as working hard. So instead of waking up and rushing into my work day, I take time for myself in the morning by following a self care routine that gets me grounded, centered, and in the right state of mind. This helps me create balance in my day-to-day life. This morning ritual consists of meditation, breathwork, practicing gratitude, setting my intentions for the day and then working out.
On the weekends I will get out into nature. Nature is my reset button. These days we are highly stimulated by phones, emails, social media, worrying about our future, keeping a social life and much more. When I get into nature, it reminds me that life can be simple, it brings me into the present moment and reminds me not to rush. There’s nothing quite like staring up at a mountain or out at the ocean that humbles me and puts all my worries and doubts into perspective. It reminds me that we are here for a fraction of time, and to enjoy the journey while we can.
I really believe in the work hard, play hard lifestyle. What’s the point of working so hard if you don’t make time to enjoy life?
Q: Tell us about your ideal cheat meal. How often do you allow yourself to indulge?
A: Because I have celiac disease (which means I can’t eat any gluten), a good gluten free pepperoni Pizza always hits the spot...or nachos! I’ll have one of these once a week. For dessert, Lemonde Gluten Free Bakery in Vancouver has a phenomenal cinnamon danish that I’ll treat myself to every week or two. Although I’m a health and fitness coach, I truly support living a balanced life which includes allowing yourself to indulge and not feel guilty about it if you are eating well most of the time.
I am a big supporter of the 80/20 rule: eat clean 80% of the week, and then treat yourself the other 20% of the time.
Q: Tell us about your program–both online and in-person. What is the process involved for clients to get started on your programs?
A: My online programs work extremely well for those who are busy, understand the value of time and who need a little extra accountability and motivation to help them reach their goals. The process starts with a consultation to determine your goals, skill level and to see if my online program would be a good fit.
There are 3 parts to my programs: Exercise, Nutrition and Mindfulness.
Exercise: The beauty of my online program is that I can help people who don’t live in the same city as me. Thanks to the rapid evolution of technology, I am able to deliver their programs through an app that has their custom workouts, along with video tutorials, available to them at any time. I can also see whether or not they have completed their workouts and message them which provides accountability and motivation. It’s feels like I’m right there with them in the gym!
Nutrition: I educate my clients on how to eat in order to hit their goals. My goal is to change the relationship people have with food. I want my clients to enjoy eating by making informed decisions rather than being unsure if they’re eating the right or wrong thing. There is a lot of confusion around nutrition these days. I don’t believe in fad diets and I explain how
different foods work in your body and how to read nutrition labels. These are life long skills that my clients will have for the rest of their lives.
Mindfulness: Now more than ever, people need more ways to handle the rise of mental health issues. The way we perceive ourselves and the world around us has a huge effect on our physical reality and health. That is why I include mindfulness and mindset training in my programs. I work with clients to incorporate a solid morning routine that consists of meditation, breathwork, gratitude and setting their intentions for the day. The journey of self transformation can be tough and having a positive and optimistic outlook on life can make all the difference.
I provide extra accountability and guidance by having a coaching call over Zoom once per week as well. During these coaching calls, we go over wins, challenges and any questions that may arise. This helps keep my clients motivated throughout the duration of their program.
I add new clients to my WhatsApp accountability group of past and present clients. This is where I share ideas, answer questions and provide extra resources to provide extra help and support along the way!
In person training: I still focus on nutrition and mindfulness, however the main
difference with the in person training is that I can really help my clients build confidence with movements, teach them proper form and introduce more advanced movements to them so they can feel like pro’s in the gym. In all my programs, I use a blend of flexibility training to improve posture, reduce lower back pain and build muscle overall to protect joints and so people can live life to the fullest! My favorite type of client is a woman who wants to get stronger and gain confidence inside and outside the gym. I love the look on my clients faces when they do things they never thought they could do before!
Q: Tell us about some of your clients and the progress they’ve made in achieving their health and fitness goals while working with you as their coach.
A: One of my clients is an aspiring actress and she wants to land more action superhero roles so we are working to get her a more toned, athletic body. Through my online coaching, in 4 months, she has built up her upper body strength, has more definition in her arms and back while fixing the imbalances in her left leg and shoulder from a car accident she was in. She is also now eating nutritious foods to build her superhero physique and I can’t wait to see where she’ll be in another 4 months!
Another one of my clients came to me at a very low period in her life. She was facing burnout from a very demanding job; her mental health was at an all time low and she had trouble seeing the joy in life. After incorporating my morning routine into her day, in just 1 month she had a drastic turn around in her mindset. Her anxiety subsided, she began to have more optimistic thoughts and was able to handle her emotions and difficult situations in a much healthier way.
I had another client who is a busy entrepreneur and she wanted me to help her lose a few pounds while building bigger glutes. Before she hired me, she wasn’t eating enough and was turning to fast and convenient foods. We worked together and fixed her
relationship with food and built workouts that fit into her busy life. She is eating the right stuff now, not starving herself and working out has become a regular part of her lifestyle.
Q: Mental health issues continue to be a stigma in the South Asian community. What are your thoughts on this? Do you see it changing anytime soon?
A: It’s very unfortunate that mental health isn’t seen as important or prioritized in the South Asian community. I strongly feel it needs to be a priority and talked about more in South Asian households. It is up to us now to overcome old school ways of thinking and behaving. Openness, communication, and support surrounding topics such as patriarchy, sexual abuse, verbal abuse, domestic violence, and the immense pressure put on children is essential. These issues have left detrimental and lasting impressions on many South Asians that I know. It breaks my heart to know that so many suffer in silence about these issues and suppress their emotions which only leads to greater suffering. I want to change that.
One of the reasons I do what I do is because working out was a healthy outlet that helped me process my emotions, release built up anger or frustration and helped me gain clarity and
peace in many tough times. It was therapeutic for me, and I know it can do the same for many others. As someone who has witnessed bullying, racism, prejudice, and oppression, I vowed that I never wanted to feel helpless, afraid to voice my opinion or stand up for myself. Therefore, I encourage others, especially women, to take up lifting weights. The resilience, character, confidence, and strength you build in the gym spills into every other area of your life and that feeling is priceless. I am passionate about helping others rise out of adversity, just as I did. It’s how I came up with the name of my business, “Lift, Love, Laugh”, because practicing these habits is life changing. I have noticed more of the young generation prioritizing their mental health by going to therapy, talking openly about their issues, and accepting the fact that they do need help. This gives me hope and assurance that we will overcome the obstacles that we have faced to create future generations that are healthier in mind, body, and spirit.
Q: Your TEDx Talk
has been getting a lot of attention and positive feedback. What is next for you? What are your future goals?
A: It’s ironic that one of my biggest fears growing up was being in the spotlight and speaking in front of others. I was astounded as I delivered my TEDx talk, that all my fears
melted away and I was on that stage for one purpose: to serve; to deliver my talk in a way that would touch people and leave a lasting impression. It felt amazing. I want to continue to use my platform to inspire and motivate others through more speaking opportunities. There are many issues I feel strongly about (like those I mentioned earlier) and the more we bring light to these issues, the more we can heal from them and create a happier and more harmonious future for everyone.
A big future goal of mine is to build a safe house in India and Canada for those affected by sexual abuse and domestic violence. This is a big issue that is swept under the rug and not talked about enough in the South Asian community. There is not enough support and awareness around this issue and I want to change that.
Q: Where do you see yourself in 5 years?
A: I see myself continuing to inspire people, especially women, to get comfortable in the gym. Working out isn’t just hugely beneficial for your body. It builds character because you are repeatedly doing something that is hard. As a result, you gain confidence in your abilities and shatter self limiting beliefs. This confidence spills over into other areas of our life. The sexy body is just a positive by-product, haha! My goal is to impact as many lives as possible.
I could see myself doing another TEDx Talk and I plan on getting my bodybuilding pro card within the next year. After that, I would love to start my own supplement line that specializes in gluten free products.
I have started designing a product that will make health and fitness more easily accessible, affordable and less intimidating to people all over the world. Within the next couple years, I hope this product will be well known
enough to help thousands, if not millions of people around the world. Emphasis and education on how to take care of your mind and body should be taught to everyone, especially at a young age. Until it is, I will continue to spread awareness and educate those around me on how to live life to the fullest by harnessing the power of their health.
Nikita Sharma, B.Sc.
Mind and Body Coach
TEDx Speaker | Bodybuilder | Mentor
www.liftlovelaugh.com
nikita@liftlovelaugh.com
nikita.liftlovelaugh
nikita.liftlovelaugh
PHOTO CREDITS: JHONE PHOTOGRAPHY
Building a Reputable Brand and Family Legacy Building a Reputable Brand and Family Legacy
After noticing his penchant for hard work and attention to detail, the lab’s owner encouraged Ashwani to further his education and study to become an optician. After completing the three-anda-half-year course, Ashwani became a Licensed Optician in 1984 and eventually opened the first location of Kanda Optical in Etobicoke. This location brings back many fond memories for community members who became regular clientele over the last few decades.
Now with 16 locations currently thriving within the
country, it’s easy to see that Kanda Optical has become a brand that is popular among customers and franchisees alike.
When asked to reflect on the reasons for its success, Ashwani says that over the course of many years, most individuals took notice of how well the original store was being managed and consequently wanted to become associated with the name and brand.
He adds that because the technology was still in its infancy when he started his
Two weeks after landing in Toronto from his home country of India, 19-year-old Ashwani Kanda took up a job as a lab technician at a local optical lab in 1980.
journey in the optical industry, he often used his own hands to make products such as bi-focal lenses and fit them into frames manually.
Similarly, in order to thrive in the business, he had to become well-versed in all areas of the industry.
The knowledge that he slowly gained through exposure to different facets of an optical store allowed him to become versatile and known for his ability to analyze, find and sell high-quality products.
“Now the equipment is so easy to use as we have all these computerized systems where you press buttons, and the machines are easy to operate. But when I started, we didn’t have all of this. We needed to do everything by hand, and we needed to make sure that we learned how to do everything right….and that’s why by the
time I opened my own store, I knew how to do everything, including the backend of fabricating glasses and the sales aspect of our job,” says Ashwani.
Besides sales, Ashwani continues to take a very personalized approach toward promotion as he insists
on going into the studio and recording the businesses’ radio station ads himself.
He also ensures that Kanda Optical commercials are running on South Asian-oriented channels as well as other mainstream channels such as CityTV.
This “hands-on” approach has been ingrained in his two sons Sandeep and Akash, who spent a lot of time observing and learning from their father during their younger years.
Their interest in the field inspired them to become opticians just like their father, who says that he is extremely fortunate that his sons have always taken a keen interest in the family business.
“I was lucky that my kids
wanted to do what I was doing. Sometimes parents establish [a company] that is really good, but the kids have no interest… It’s great to have a family business because you have people who are there for you unconditionally, whether it is day or night. Also, we all have a mutual interest and want to make sure that the business is doing well.”
Some of the ways that Ashwani and his family ensure the continued success of the
Kanda brand are by “keeping up with the times,” and making sure that they remain “different” from the competition.
One look at their Instagram page - which is mostly handled by Sandeep and Akash - is enough to convey the fact that they have been able to “checkmark” both of these boxes by offering some of the most prestigious brands from around the world at Kanda Optical.
Besides doing very customized work that includes putting diamonds on frames, the optical store also carries a lot of well-known and exclusive brands including Cartier, Chanel, Chrome Hearts, and Dita.
Interestingly enough, Ashwani says that more than fifty percent of the specialty frames that his team sells come under the category of non-prescription because a large number of customers like to wear glasses to make a fashion statement.
Talking about the typical process that an individual will go through when they enter a Kanda Optical store, Ashwani explains that the process will vary depending on the customer’s specific need.
“If a customer has a prescription, then our frame stylist will start showing them frames based on their prescription, face shape, budget, and colour preference. Once they choose a frame, our dispensers will take over and dispense the lens according to the individual’s requirements. If an individual walks into the store and does not have a prescription, we do pre-testing, and a doctor will do an eye exam. Once they make a prescription, a frame specialist will assist the individual as they look for
frames,” explains Ashwani.
When asked about some of the changes that he has seen over his many years in the business, Ashwani says that society, in general, has become increasingly aware of the importance of taking care of their eyes.
“I used to hear people talk about their grandparents and say for example, that they were 95 years old and never needed to wear glasses. The truth is that they never needed to see as sharply as we do now. Now, most people believe that they have to have the best quality of life, and that’s why they [make sure that] they can see clearly.”
Due to the fact that most of them are now getting eye exams done at school, even children are more conscious and aware of the importance of eye health.
Despite this increase in knowledge, parents should take the responsibility to get children’s eyes examined at least once a year. Similarly, adults should also go for check-ups at least once a year.
According to Ashwani, getting regular checkups is important in order to track changes in one’s general eye health and prescription.
Yearly Senior’s Event
Understandably, eye health is particularly important for seniors and as a well-known figure in the optical industry, Ashwani understands and believes in this sentiment very strongly because of his parents. `
Elaborating on this particular topic, Ashwani explains that his parents advised him to always remember that the income level of an individual lessens significantly after they retire.
Consequently, many seniors may not be able to afford the essential items that they need in order to maintain their health, including glasses.
“We started a senior’s event that has been going on for more than 20 years now. Every year we invite seniors to come into the store and we give them a free eye exam as well as a free pair of glasses. [This
particular event] has given us a lot of blessings. Automatically every year around December, I start to get calls from seniors asking about the event. And over the years, I have seen the same seniors coming again and again. This is something that I feel very proud about,” explains Ashwani.
Ask him about the future and Ashwani reveals that his team currently has “more than five locations in the pipeline.”
While one location will be situated in the city of Brampton, another one will be opening up in Mississauga.
Understandably, with a flourishing business, and multiple responsibilities, taking care of his health is extremely important to Ashwani.
Although taking a break may be somewhat challenging for a man who is “very
dedicated and available seven days a week,” Ashwani always takes a break whenever he is feeling overworked or distressed.
While he believes in the importance of having hobbies and taking vacations, he also enjoys socializing with his friends and colleagues.
He reiterates that he is able to take breaks due to an extremely proficient team which includes his sons as well as his elder brother Harsh, who has played a big role in helping make Kanda Optical what it is today.
“I feel blessed to have a very strong team consisting of sales, optometry and lab technicians that allow me to delegate work accordingly. This then allows me to
manage our company from a whole perspective versus micro managing each and every store or employee. My schedule is always changing as one day you’ll catch me at my lab assisting my staff with edging lenses, and then a couple hours later you may find me at one of my retail stores for a private sales appointment. I could not be more thrilled to get up start my day as I experience something new daily.”
“I would also like to give special thanks to my Business Development Manager Goldy Dogra for being a valuable member of my team for the past 20 years.”
When asked what he thinks the future has in store for his company, he states that the sky is the limit. “Our team is
always evolving and new opportunities get presented to us on a daily basis. Speaking humbly, we are honoured to be preferred vendors for all the amazing brands that we carry. Brands that hold very tight exclusivity within the industry trust our company to represent them to the fullest. We have specialists on our team that go through regular training pertaining to market updates and new technologies that we bring to our customers. Let it be as simple as engraving a name on a client’s lenses, or to adding diamonds or gemstones on any frames, we proudly offer all services. We can’t wait to show everyone what we have in store for the future!
Written by: Saira Hayre
First Kanda Optical location opened in 1990
Kanda Optical is a leading chain of premium optical stores in Mississauga, Vaughn, Brampton, Etobicoke, Milton, Scarborough and Burlington
Photo Credits: EI Photography
Q. Tell us about your background and what inspired you to get into the Insurance industry?
A: My background is in Electrical Engineering from India and when I came to Canada with my wife many years ago, I worked many different jobs. When I came across an opportunity in the Insurance industry, I pursued it further and today, I’m proud to say that I’m a Branch Manager of my own Punjab Insurance location. I’m approaching my 10-year anniversary in this industry and I have really enjoyed this journey of running my own business. My team and I have met amazing clients along the way!
Q. What is the most popular service you provide and why?
A: Super Visa Insurance and Life Insurance are always in high demand. For Super Visa Insurance, there are any people in Canada who miss their parents/grandparents back home so they are anxious to start the process and reunite with them. I take great pride in assisting them with this. I help bring families together and this is such an important part of the South Asian culture as many of us live in multi-generational households, so
we are naturally accustomed to all being together under one roof. Life Insurance is also very popular as people are interested in taking the necessary steps to protect themselves and their loved ones.
Q. What is the biggest myth or misconception around obtaining insurance?
A: I would say there are still some people out there who don’t necessarily see the value in getting Health Insurance or Life Insurance during early stages of life. Some may even view it as a waste of money because they are convinced nothing will go wrong that will require them to rely on insurance. From my experience over the years, I always tell my clients to view obtaining insurance as a 2nd pillar and something to fall back on in case something goes wrong. It’s always better to be safe than sorry.
Q. When it comes to Health insurance and Life insurance, do you find the community is more proactive in obtaining it? Or are they still more reactive and only start looking into it after something significant happens in their lives?
A: It’s actually 50:50 – I find the younger generation tends to be more proactive which is very interesting because it definitely makes a lot of sense to get these types of insurance coverage when you’re young and healthy. The premiums will cost much less and it’s easier to pay off over a set period of time - then you will be covered for life! I have seen some of my younger clients pay off their Life Insurance policies within 20 years so now they are very thankful because they have peace of mind. For others, they still tend to take it lightly however I did notice more people started looking into getting insurance when the COVID-19 pandemic started 2 years ago. It may have been the fear of the unknown that encouraged them to start taking precautions and look into getting insurance coverage right away.
Q. Walk us through the process of how a potential client can connect with you to discuss next steps to secure Super Visa Insurance for their family members?
A: Well, for the longest time we’ve been dealing with our clients mainly over the phone or Zoom/ Google meetings due to COVID-19. However, now that restrictions have been lifted, we are back to in-person meetings as an option. Once the client reaches out to me, we set-up a proper meeting so I can ask them some preliminary questions to get started. This helps me get a better idea of what their family members needs are. Then I give them the information on different policies available from 8-10 different companies so we can do a comparison and I can give them my recommendation on which is best suited for them. If all goes smoothly, we can get this process done quickly within 1 day.
Q. There has been a lot of concern around the welfare of international students as they navigate a new life in Canada. Why is it important for international students to obtain insurance?
A: It’s important to note that international students can get up to 2 million dollars of insurance coverage while studying in Canada. Sometimes students will just go with $688 insurance coverage for the year but unfortunately that can be all used up in just one claim. For example, in case they have a dental emergency, we all know this can get very expensive so it’s better to plan ahead and secure the proper insurance coverage from the start. Also, the online claim process is so easy-to-use and the students can get reimbursed right away via cheque or email transfer. Some medical professionals even offer direct billing which is also very helpful and makes the process much easier for the students who already have so much on their plate with studies, working part-time jobs, etc. This is one less thing for them to stress about, so it’s totally worth it!
Q. What is your 5-year plan in this industry?
A: I currently have a team of 4 and we serve clients across Canada. We have plans to further expand so we are actively looking for more people who’d like to join our team as insurance brokers or advisors. I truly enjoy this industry because it allows me to fulfill my passion of helping people and their families in various aspects. Whether it’s bringing them back together and/or protecting them in case a life-changing event occurs, I will continue on this path as my network grows and I can bring more people on board to assist me with providing our clients with highest level customer service.
Q. Please share some of the feedback you get from your customers.
A: Our customers are able to leave google reviews for us and they appear on our website as well. Here are some recent reviews:
It was honestly the best guidance and consideration that Gurinder Chahal offered to me for my family insurance requirement. The correct path and follow it through very professionally. Thank you very much - 101% recommended!
I got really good experience with my mom’s health insurance from Punjab Insurance Inc. Calgary. They offered me a really good price. Excellent communication skill. Gurinder Chahal has great customer service skills. Very responsive and prompt to reply. I will use their service again and will definitely recommend their excellent service to my friends and family. Thank you!!
I highly recommend Punjab Insurance, I worked with Gurinder Chahal for buying an insurance. He had complete business knowledge and was very considerate and patient to work with me, answering all my questions.
He went an extra mile in getting my policy amended and gave me the best professional suggestions that helped me save money choosing the right coverage needed depending upon my situation.
We purchased super visa insurance for my parents and they had great offers and very helpful. They responded on time with any questions or concerns I had. Excellent service. Thank you.
I like working with Gurinder, honest, helpful. I’d highly recommend connecting with him for supervisa or personal insurance.
R.S.
G.S.
Punjab Insurance Inc. is an independent insurance brokerage company. All insurance products can be obtained at competitive rates at Punjab Insurance Inc. Our professional insurance team comprises of insurance experts who are citizens of Canada or permanent residents who have arrived in Canada as immigrants and settled here for a quality life. We speak your language and can guide you in your doubts regarding super visa insurance along with offering you the most affordable quotes than our competitors. As we are aware of the concept that one size does not fit all we offer wide range of policies which are suitable to your pockets.
SUPER VISA INSURANCE
Punjab Insurance is committed to provide you lowest possible super visa insurance rates with best protection to your parents and grandparents. We have been providing Super Visa Insurance quotes right from the effective date in December 2011, super visa program was launched by Citizenship and Immigration Canada (CIC). We provide free consultation to provide plans as per the client’s need. In order to provide you with the lowest possible super visa insurance rates we need to ask the client a few specific health related questions and to help you find the most suitable super visa insurance plan. As for super visa insurance we guarantee 100% refund of Premium, in case your visa is denied.
LIFE INSURANCE
Life insurance is a contract that pledges payment of an amount to the person assured (or his nominee) on the happening of the event insured against. The contract is valid for payment of the insured amount during:
• The date of maturity,or
• Specified dates at periodic intervals, or •Unfortunate death, if it occurs earlier.
Among other things, the contract also provides for the payment of premium periodically to the Corporation by the policyholder. Life insurance is universally acknowledged to be an institution, which eliminates ‘risk’, substituting certainty for uncertainty and comes to the timely aid of the family in the unfortunate event of death of the breadwinner.
By and large, life insurance is civilisation’s partial solution to the problems caused by death. Life insurance, in short, is concerned with two hazards that stand across the life-path of every person:
1. That of dying prematurely leaving a dependent family to fend for itself.
2.That of living till old age without visible means of support.
CRITICAL ILLNESS
INSURANCE
Critical Illness Insurance
Canada is designed to provide assistance to an insured who has been diagnosed with one of a predetermined number of critical illnesses and in some cases survived 30 days.
If you are looking to get covered for any eventualities’ in life than you are at the right place. Get a Free No obligation quote from us and see how we can design the insurance for you, which can cover you in a better way and costing you least every month.
Critical Illness insurance protects
you or your spouse against loss of income on diagnosis number of illnesses between three (cancer, heart attack, stroke) and 22 (i.e.MS, Alzheimer’s, Parkinson’s, ALS, blindness, deafness, loss of speech, coma, severe burns, late onset diabetes, loss of independence).
With healthy lifestyle choices can be your best defence against some health risks, a critical illness such as cancer, stroke or heart disease can strike anyone at any time. Consider the following:
• One in three Canadians will develop a life-threatening cancer.
• One in two heart attack victims are under 65 years old.
• Each year, 50,000 Canadians suffer a stroke. Of all stroke victims, 75% will be left with a disability.
TRAVEL PROTECTIONS PLANS FOR CANADIANS
• Overseas travel can be an enriching and unforgettable experience. However, without proper travel insurance, a dream holiday could lead to financial ruin or even worse.
• Some go overseas without ever having considered obtaining travel insurance, but the Department of Foreign Affairs and Trade strongly advises that all Canadians take out travel insurance before going overseas, and with good reason. If things can go wrong, they probably will. And when they do, the last thing you want is enormous financial and emotional stress. Simply stated, travellers who do not have travel insurance can be personally liable for medical claims incurred overseas and these costs can financially ruin them!
TRAVEL INSURANCE
• There have even been instances where Canadian families have been forced to rely on their superannuation funds or in some cases sell their homes in order to raise the money to bring their loved ones home - all because they failed to purchase travel insurance.
• Despite these risks, many people still travel without travel insurance.
• If you are planning to travel overseas, it is sensible to take an overseas travel medical insurance policy. The expenditures of medical treatment overseas can be very high. It is mandatory to buy an Overseas Travel Insurance if you want to attain visa while you are scheduled to travel to a few countries in the world. These countries insist on travel insurance cover before issuing a travel visa. Even if it is not mandatory to buy a travel insurance plan to other countries it would be a wise decision to protect you from unseen tragedies.
Healthcare expenses are comparatively higher in developed countries.
TRAVEL INSURANCE PLAN
• A Travel Insurance Plan can protect and cover you against medical and other financial emergencies that may occur during your travel.
• A travel medical insurance will either reimburse for your treatment at the adjoining medical facility, or allow you to choose the hospital where you desire the requisite treatment.
• Depending on the insurance plan you choose, you may be fully or partially covered. When shopping for travel insurance, compare policy coverage, benefits and prices, and ask for a list of what is included and what is not. Therefore, it is highly recommended consulting an insurance broker you trust to learn
