Experts in

Life Insurance 

Secure tomorrow by acting today.

Insurance has Evolved

It is easier than ever to get the coverage you need!
Do you know how it works, the different types of insurance, and how much you need?
By getting more clarity and learning the basics, you can make more educated choices about what’s best for you and your family.

Life Insurance

Put simply, if you were to pass away, life insurance will help protect your loved ones financially. There are two primary types of life insurance — term or permanent. Term life insurance provides insurance protection for a set period — typically 10 to 30 years. Permanent insurance provides coverage for life.

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Critical Illness

Critical illness insurance helps you cover medical expenses that the government or your employer doesn’t cover. It’s a cash payout you receive if you are diagnosed with one of 25 covered conditions illness like cancer or stroke.

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Life Insurance

Put simply, if you were to pass away, life insurance will help protect your loved ones financially. There are two primary types of life insurance — term or permanent. The most common is term life insurance, where the insurance protection lasts for a set period — typically 10 to 40 years.

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Critical Illness Insurance

Critical illness insurance helps you cover medical expenses that your primary health insurance won’t. It’s a cash payout you receive if you ever experience a serious illness like cancer or a stroke.

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Disability Insurance

Disability insurance replaces a percentage of your regular income if you’re too sick or injured to work. It covers things like serious accidents and a variety of medical conditions, like heart disease, cancer, and depression.

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Group Benefits & Health Insurance

Whether you need to fill a prescription, visit the dentist or get a new pair of glasses, these expenses can really add up over the course of the year. Having a good health plan means getting the healthcare you need and getting reimbursed for these medical expenses.

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Disability Insurance

Disability insurance replaces a percentage of your regular income if you’re too sick or injured to work. It covers things like serious accidents and a variety of medical conditions, like heart disease, stroke, cancer, diabetes, lupus, and multiple sclerosis.

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Health Insurance

Costs for health-related services can add up quickly, whether for filling a prescription, visiting the dentist or getting new glasses.

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Insurance is a financial tool that helps to protect you and the people you care about.

If something unexpected happens- like an accident, injury, or illness- insurance provides much needed cash that helps relieve the financial burden.

There are two types of applications

Fully
underwritten

Full underwriting is the process of life insurance companies use to gather information about applicants and calculate a rate to charge. The process typically involves questions about your personal information, medical history, lifestyle and family medical history.
.

No
Medical

Many life insurance companies today can rely on the information you provide and data from MIB without requiring you to be poked and prodded by a nurse. Some companies will also allow you to answer a limited number of questions, and if you have no health issues you can get approved in a matter of 48-72 hours!

Fully
underwritten

Full underwriting is the process of life insurance companies use to gather information about applicants and calculate a rate to charge. The process typically involves questions about your personal information, medical history, lifestyle and family medical history.
.

No
Medical

Many life insurance companies today can rely on the information you provide and data from MIB without requiring you to be poked and prodded by a nurse. Some companies will also allow you to answer a limited number of questions, and if you have no health issues you can get approved in a matter of 48-72 hours!

Today’s insurance has evolved:

Less work, Less paper, Less requirements!

Online Insurance made easy

About me, Aviva Abraham

As a working mother who built her own business, I understand that life is busy! My aim is to educate you on your options, clarify the complex issues, and simplify the process as much as possible. Focusing on building long-term relationships with clients, taking the time to understand all aspects of your personal and business needs, and providing that personal touch are the key components to my client-centered approach.

With a background as a CPA from NYC, and a broad range of experience in the financial field, I have been serving clients across Ontario since 2010. Along with my team at Creative Planning Financial Group, a premiere financial services firm in midtown Toronto, I specialize in providing insurance solutions specifically designed for self employed and small business owners.

My goal is to help you live the life you want, protect your family and help you achieve your dreams.

Top 3 reasons to work with us

1

You want to save money

We can show you how to minimize your tax bill, and preserve your wealth for yourself and your family.

2

You need expert advice

We can provide the right guidance and show you the best options for protecting your family, your business and your future.

3

You have BIG goals

We can help you grow your assets, manage your cashflow, and achieve your goals faster.

What Our Customers Are Saying

Marinella Y.

I had the opportunity to work with Aviva recently. She talked through my health insurance situation and offered me new ideas that I was not aware of. I found her very knowledgeable and professional with a sincere desire to help others find the best option.

Lisette P.

Aviva worked with me on finding the right business and personal insurance. She has proven to be very accommodating and punctual, and above all she is a true expert in her field. Thank you Aviva for diligently and respectfully walking me through all the steps. I highly recommend Aviva as an independent insurance adviser.

Mike F.

Aviva cares. She cares about her clients. She cares about the people she works with. And she cares about doing a great job. She set a standard of taking action for her clients that I’ve aspired to ever since. I’m grateful to have had the pleasure of working with Aviva.

We offer products and services of the top life insurance companies in Canada

Aviva Abraham

1867 Yonge Street., Suite 500 Toronto, ON, Canada M4S 1Y5