OUR COMPREHENSIVE SOLUTIONS
Protecting What Matters Most: Our Full Range of Insurance Services
From life's biggest milestones to daily peace of mind Life Guard Insurance By Harsh,offers tailored insurance and investment solutions designed for every stage of your life in Ontario Canada.
Get a Free ConsultationINSURANCE & INVESTMENT PRODUCTS
Your Guide to Protection and Wealth Building
Life Insurance
What it is: A contract that pays a sum of money to beneficiaries upon the death of the insured person (Term, Whole, or Universal options available).
How it helps: It replaces lost income, covers final expenses, pays off outstanding debts (like mortgages), and provides tax-free financial security for your loved ones.
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Critical Illness Insurance
What it is: Provides a **tax-free lump sum payment** if you are diagnosed with a serious, covered illness (like cancer, heart attack, or stroke) after a survival period.
How it helps: Use the money for anything—private treatment, paying down your mortgage, or simply taking time off work to recover—without touching your savings.
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Disability Insurance
What it is: Replaces a portion of your income (typically 60-85%) if you become unable to work due to illness or injury.
How it helps: It ensures your monthly bills, groceries, and debt payments are covered, protecting your standard of living when you can't earn a paycheck.
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Super Visa Insurance
What it is: Mandatory private medical insurance for parents/grandparents entering Canada under the Super Visa program.
How it helps: Protects against unexpected medical bills, hospital stays, and emergency services in Canada, which can be extremely costly without provincial health coverage.
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Visitor Insurance
What it is: Medical emergency coverage for tourists, business visitors, or new immigrants arriving in Canada before they qualify for provincial health plans.
How it helps: Provides crucial financial protection against unforeseen illness or injury during their stay in Canada.
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Travel Insurance
What it is: Provides comprehensive coverage for medical emergencies, trip cancellation, trip interruption, and lost baggage while travelling outside of Canada.
How it helps: Offers peace of mind, ensuring you won't face massive out-of-pocket expenses if an accident or illness occurs abroad.
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RRSP, RESP, TFSA & FHSA
What it is: Tax-advantaged registered accounts designed for specific savings goals like retirement (RRSP), education (RESP), first home purchase (FHSA), or any goal (TFSA).
How it helps: Maximizes your savings by deferring or eliminating taxes on growth, helping you build significant wealth for the future.
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