Have questions about our insurance plans or need personalized guidance?
Segregated funds are investment contracts issued by life insurance companies. They include a maturity guarantee and a death benefit guarantee, usually between 75% and 100% of your deposits, reduced by any withdrawals. The guarantees apply only on the maturity date set in the contract or at death. Higher guarantee levels usually cost more.
Naming a beneficiary may let the death benefit be paid directly, outside your estate. In some circumstances segregated funds may also be protected from creditors; this depends on the beneficiary and your situation and is not guaranteed.
Any amount allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value. Read the information folder, contract and Fund Facts before you invest.
Create your profile to request personalized assistance from a licensed professional in English, Punjabi, or Hindi.
We take the time to review your long-term financial goals and risk tolerance, offering clear guidance to help you understand your segregated fund options.
We help explain your segregated fund options, explaining how the maturity and death benefit guarantees work and what they depend on.
Keeping track of multiple financial policies can be challenging. Our portal helps you organize your investment details into a single, accessible overview.
By recording your important policy dates, you receive organized alerts so you can review your investment options with a licensed agent in advance.
Receive scheduled alerts before your segregated fund policy reaches its maturity or renewal date.
Keep your investment records, documents, and important timelines organized in one place.
Consult directly with your licensed agent to review your segregated fund options.
Find answers to common questions about using our website, organizing your insurance needs, and connecting with our licensed agents.
You can create a free account to select your insurance needs, enter your upcoming renewal dates, and request a consultation with a licensed insurance agent in British Columbia.
We assist with both general insurance (including auto, home, condo, tenant, landlord, and commercial) as well as life and health insurance. These are kept in clearly separated sections within your profile.
To ensure you get specialized support, general insurance services are provided through Cascade Insurance Agencies, and life and health insurance services are provided through Punjab Insurance Agency Inc.
No. Submitting information, creating a profile, or requesting a consultation through this website does not bind, change, renew, or cancel insurance coverage. Coverage is effective only when confirmed by the authorized insurance agency.
Yes, you can log into your secure account at any time to update your contact details, add new insurance categories, and manage your upcoming renewal reminders.
I help clients understand their insurance needs and review available options through the agencies and insurers I am authorized to represent. My focus is clear explanations, responsive service and appropriate insurance assistance.
Create an account to organize your insurance needs, track renewal dates, request appointments, update your information and view your
insurance inquiries in one place.
Website Disclaimer: Submitting information through this website does not bind, change, renew or cancel insurance coverage. Coverage is effective only when confirmed by the authorized insurance agency or insurer. All applications are subject to eligibility, underwriting approval, policy terms, conditions, limits and exclusions.
General Insurance Disclosure: General insurance services are provided by Anshul Ghai and Himanshu Puri through Cascade Insurance Agencies.
Life Insurance Disclosure: Life and accident & sickness insurance services are provided by Anshul Ghai through Punjab Insurance Agency Inc.
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