It’s the perfect time to secure your short and long-term financial goals.
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Mount Royal Block Suite 290, 815 - 17th Ave SW Calgary, AB T2T 0A1
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There is so much to enjoy in Calgary, from the scenic mountain views to the busy buzz of city life. However, even the best moments may not be free from unexpected challenges. At Ten O Eight Insurance Services, we personalize our offerings so they can be made for you, your family, and everything you have worked hard for. Because we care about your peace of mind, we ensure that you can feel safe and supported through any turn in life.
So, are you looking for personal insurance in Calgary that adds a lot of value to your life? Then you’re on the right path. We, at Ten O Eight, are more than just an insurance provider; we are your partner. We pay extra care to learn about you and then provide plans according to your life. Everything is made simpler and easier to understand. Our job is to ensure that every consumer knows all the options and feels favourable by using the services.
Life is unique, and so there can’t ever be a single insurance solution for all. That is why we get to know you – your goals, your life stage, what matters to you most. Whether you are starting up a career, raising kids, or relishing the fruits of retirement, we will find the right insurance for you at an appropriate price.
Our professional group of insurance personnel in Calgary stands ready to help you. We will talk through your options, interpret how each choice would benefit you, and ensure your comfort with whatever decisions we arrive at together. Feel safe and confident because you are protected by a plan that suits you best.
Personal insurance ensures the safety of your loved ones with the money necessary for expenses. In case of sudden sickness, injury, or even death, it protects your income, health, and lifestyle. Be it planning your family’s future, building a retirement plan, or just making sure of being covered during tough times. Different types of personal insurance fit different needs. A simplified description of the main types looks as follows:
Temporary life insurance, also known as term lavife insurance, is a foundational component of personal insurance in Ontario. It’s designed to address risks that exist for a specific period, typically 10, 20, or 30 years. These may include:
Temporary life insurance safeguards short-term financial risks of income replacement, mortgage clearance, and assistance in childcare and education of the family. Due to its short-term nature, this insurance plan is generally less expensive and is usually tied into an overall insurance plan.
Permanent life insurance is going to be there for life and fills long-term financing needs. It pays for final expenses, assists with capital gains tax on investments, helps with charitable giving, and protects inheritances. This is a tax-efficient alternative to self-insuring that offers your estate much-needed protection while alleviating the financial burden on your loved ones during the delay of probate.
Are you looking for retirement strategies beyond traditional options such as a TFSA or RRSP? An Insured Retirement Plan (IRP) leads to a tax-free income stream during retirement, creating a sizeable tax-free legacy for your beneficiaries. It is perfect for someone interested in a plan unlinked to market fluctuations.
Are you planning for your children? Young people have significant financial milestones, from post-secondary education to home purchase and even starting a business. A customized life insurance policy may fund these goals, growing tax-free and benefiting your children for a long time.
Contingencies like an unexpected ailment or accident can disrupt your earnings and way of life. Would you rely on your savings, sell assets, or turn to crowdfunding? Living benefits insurance features a much more forward-looking approach. These policies offer actual financial help while you’re alive and encompass:
Up to $ 2 million amount is given without taxation as a lump sum. If you have been diagnosed with a covered condition such as cancer, heart attack, stroke, and more (up to 25 illnesses covered). You may even be able to get all the premiums you have paid back with no claims.
Provides replacement income for months when you're not working because of an illness or injury, even if it's just a temporary stop. It's used hand-in-hand with other benefits, such as Employment Insurance (limited to 26 weeks and a maximum of $650/week) or worker's compensation (the former has to apply to work-related injuries). We will help you assess what benefits you do have and coverage for the gaps that exist.
If two of six daily living activities (walking, feeding, toileting, dressing, bathing, transferring) cannot be performed, the policy pays as much as $10,000 per month for the delivery of care services. Home care or institution-based coverage is utilized.
When insuring your property, there are many things to consider. At Ten O Eight Insurance Services, we pride ourselves on offering more than the policy. We offer honest service and real support. Here is why Calgary residents trust us:
Getting the right insurance doesn’t have to be complicated. We believe in helping you understand how everything works so that you feel good about your choices.
Here is how we do it:
We are making the experience of insurance simple and easy. You will never feel alone when it comes to making inquiries or raising concerns.
It’s not too late to protect what is dearest to you. Comprehensive personal insurance will protect what is important to you. It’s an investment towards an anxiety-free life and a secure future. At Ten O Eight Personal Insurance Services Calgary, we offer you nothing but great services and support.
Let our team help you assess the options and work with you to put together your personal insurance plan to gain the confidence and protection you deserve. Contact us for a personalized consultation and secure your tomorrow.
So, are you ready to Secure Yourself? If yes, request a personalized personal insurance estimate today!
The insurance helps protect the person and family from the cost of the drawbacks of events such as accidents, illnesses, or even deaths that happen unexpectedly. It is a safety net and helps in the sharing of this burden.
Life events are unpredictable. Personal insurance helps envision the required cost when things go wrong. Thus, avoiding having huge amounts falling straight to your account. Your money, assets, and peace of mind are all protected by personal insurance.
There are several types, including:
Each one covers different aspects of your life.
Disability insurance helps in creating financial means if you are unable to work due to illness or injury. This is to make sure that all your bills are paid during recuperation, so you do not have to worry about taking care of the family.
The first, and perhaps the most important, is the fact that travel insurance takes care of any problem that may crop up when you are away from home.
Reviewing your insurance yearly is important, and anytime something big in life changes—for example, you got married, had a baby, bought a house, or changed your job.
The answer is simple- guiding you. At Ten O Eight Insurance, we offer good advice, plenty of options, and competitive rates. We will look for appropriate protection and cover for what matters most to you.
It’s super convenient! Feel free to contact us online (https://tenoeight.ca/contact-us/) or over the phone (587-319-2701)—completely about your requirement, without pressure. We will discuss what suits your needs and propose a custom quote.
Some policies offer a return-of-premium option, refunding your contributions if you don’t claim within the policy term.
Connect with Ten O Eight for a personalized consultation. We’ll evaluate your needs and build a custom insurance portfolio that works with your goals.
It’s the perfect time to secure your short and long-term financial goals.
Mount Royal Block Suite 290, 815 - 17th Ave SW Calgary, AB T2T 0A1