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Information alone is not enough. A professional mortgage broker has something far more valuable: years of experience and your needs in mind. They put the information in context, they anticipate the variables and find the best loan for you. This is the kind of help you don’t want to be without.

Mortgage Protection Insurance

We offer Mortgage Protection Insurance (MPP) from Manulife. Why?

  • Competitive Premium Rates – They compete with the major banks to be a competitively priced product. Their Disability product is one of the cheapest in the industry.
  • 60 Day Money Back Guarantee – You can choose MPP today and change your mind any time within the first 60 days and it will cost you nothing.
  • Fully Portable Product – You have future flexibility. The insurance can move from lender to lender and property to property. Premiums do not increase within the Amortization period. If additional money is applied for, only the “topped up” portion will be priced at your then current age.
  • Auto Approval – Mortgage amounts under $300,000 where health questions have been answered ”No” are auto-approved. You can have “instant coverage” if you so choose.
  • No Post Claims Underwriting – A paramedical is required for mortgage amounts over $300,000 or in situations where “Yes” has been answered to a health question. This PROTECTS YOU! At great cost to them, they get the “medical skeletons” out of the closet UPFRONT, so they can pay claims down the road should they arise.
  • Extended Amortizations – They will cover extended amortizations at no additional cost in premiums to you.
  • Disability Stand Alone – The banks MAKE you take Life insurance in order to get Disability. We offer our Disability by itself…with or without our Life protection.
  • Disability Not Reportable or Taxable – To either CPP or your Private Insurer and is NOT subject to income taxes, (because they are paying the lender).
  • Interim Mortgage Payments – In the event of death, MPP will make the interim mortgage payments while the claim is being adjudicated.
  • Underwritten by Manulife – A trusted name and industry leader.

"Nothing but professionals here, looking forward to our next deal"

- Paul Francis


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