Last Updated: August 20, 2026

These Terms & Conditions govern the use of the Insure with Anshul website, client portal, online forms, and related online services.
By creating an account, submitting an inquiry, requesting insurance assistance, or otherwise using this website, you acknowledge and agree to these Terms & Conditions.

1. About Insure with Anshul

Insure with Anshul is a marketing, insurance-information, lead-management, and client-service platform used by Anshul Ghai.
Insure with Anshul is not an insurance company and is not a separate insurance brokerage or insurance agency.
Insurance services are provided through the applicable licensed insurance agency identified below.

2. General Insurance Services

Anshul Ghai is a Level 2 General Insurance Agent in British Columbia.
General insurance services are provided through:
  • Cascade Insurance Agencies
General insurance services may include, where available and authorized:
  • Auto Insurance
  • Home Insurance
  • Condo Insurance
  • Tenant Insurance
  • Landlord Insurance
  • Commercial & Business Insurance
  • Commercial Auto Insurance
  • Other general insurance products available through the agency
Insurance products are subject to insurer availability, eligibility, underwriting requirements, policy terms, conditions, limits, deductibles, and exclusions.

3. Life & Accident & Sickness Insurance Services

Anshul Ghai is a licensed Life Insurance Agent in British Columbia.
Life and accident & sickness insurance services are provided separately through:
  • Punjab Insurance Inc.
Services may include, where available and authorized:
  • Life Insurance
  • Travel Insurance
  • Super Visa Insurance
  • Critical Illness Insurance
  • Disability Insurance
  • Health-related insurance products
  • Accident & Sickness Insurance
  • Segregated Funds
  • Annuities
  • Other insurance products available through the applicable insurer or agency
Life and accident & sickness insurance services are subject to applicable licensing, supervision, insurer-contracting, suitability, needs-analysis, underwriting, and regulatory requirements.

4. Separate Insurance Agencies

Cascade Insurance Agencies and Punjab Insurance Inc. are separate organizations.
General insurance inquiries are handled through Cascade Insurance Agencies.
Life, accident & sickness, Travel and Super Visa insurance inquiries are handled separately through Punjab Insurance Inc.
If you request assistance with both categories, information will be handled and routed according to the services selected and the consent you provide.
Selecting one category does not automatically authorize the use of your information for another category.

5. No Insurance Is Bound Through This Website

Creating an account, completing a questionnaire, submitting an inquiry, uploading documents, requesting a quote, booking an appointment, or sending a message through this website does not by itself:
  • Bind insurance coverage
  • Issue an insurance policy
  • Renew insurance
  • Change insurance coverage
  • Add or remove a vehicle or driver
  • Add or remove an insured
  • Amend a policy
  • Cancel a policy
  • Confirm claim coverage
  • Guarantee an insurance application will be approved
Insurance coverage, amendments, renewals, or cancellations become effective only when confirmed by the applicable authorized insurance agency or insurer.

6. Quotes, Premiums and Insurance Availability

Any quote, premium indication, estimate, illustration, insurance option, or coverage information is subject to:
  • Eligibility
  • Underwriting
  • Insurer approval
  • Accuracy and completeness of information provided
  • Applicable policy wording
  • Limits
  • Deductibles
  • Conditions
  • Exclusions
  • Applicable insurer rules and requirements
Submitting information does not guarantee approval, availability of insurance, a particular premium, or a particular level of coverage.

7. Information Provided by Users

You agree to provide information that is accurate and complete to the best of your knowledge.
Insurance decisions may rely on the information you provide. You should promptly advise the appropriate licensed insurance representative if material information changes.
If you provide personal information relating to another person, you confirm that you are authorized or otherwise legally permitted to provide that information.
Additional consent may be required before information concerning another person can be used for insurance purposes.

8. General Information and Insurance Advice

Information available publicly on this website is provided for general informational and educational purposes.
Website content does not by itself constitute confirmation that a particular insurance product, coverage, limit, deductible, or policy is appropriate for your individual circumstances.
Personalized recommendations may require additional information, a needs assessment, suitability review, insurer requirements, or other appropriate review by a licensed insurance representative.

9. Urgent Requests and Coverage Changes

Do not rely solely on:
  • Website forms
  • Portal messages
  • Email
  • Text messages
  • Social-media messages
  • Voicemail
for urgent insurance matters or immediate coverage changes.
A request submitted electronically is not effective simply because it has been sent or received.
Any request to bind, change, renew, or cancel insurance must be reviewed and confirmed by the applicable authorized insurance agency or insurer.
For urgent insurance or claims-related matters, contact the applicable agency or insurer directly.

10. Client Accounts

Users are responsible for maintaining the confidentiality and security of their account credentials.
You must not:
  • Share your password with unauthorized persons
  • Access another person’s account without authorization
  • Attempt to bypass website security
  • Attempt unauthorized access to client or administrative information
  • Use the website for fraudulent, unlawful, or abusive purposes
Please contact us promptly if you believe your account has been compromised.

11. Privacy and Personal Information

Personal information submitted through this website will be collected, used, disclosed, protected, retained, and destroyed in accordance with applicable privacy law, the Privacy Policy, and the consent provided by the user.
Information collected for general insurance purposes will not automatically be used for life or accident & sickness insurance purposes, or vice versa, except where appropriate consent has been provided or where otherwise permitted by law.
Users should review the Privacy Policy before submitting personal information.

12. Consent and Electronic Communications

Submitting an insurance inquiry authorizes communications reasonably necessary to respond to that inquiry using the contact information and communication preferences provided.
Consent to receive marketing or promotional communications is separate and optional.
Where a user expressly subscribes to promotional communications, they may withdraw their consent or unsubscribe at any time.
Transactional or service communications relating to an active inquiry, application, policy, appointment, or service request may be handled separately from optional marketing communications.

13. Documents and Sensitive Information

Users should submit sensitive insurance information only through methods specifically provided or approved for that purpose.
Do not send highly sensitive personal, financial, medical, or identity information through social-media direct messages or other unsecured communication channels.
Document submission through the portal does not constitute acceptance, approval, or confirmation of insurance coverage.

14. Third-Party Insurance Companies and Service Providers

Insurance products may be provided or underwritten by third-party insurance companies.
This website may also use third-party technology providers for functions such as:
  • Hosting
  • Secure document storage
  • Appointment scheduling
  • Communications
  • Email delivery
  • Authentication
  • Analytics
  • Other operational services
Where personal information is processed by service providers, it will be handled in accordance with applicable privacy requirements and the Privacy Policy.
Third-party websites and services may also have their own terms and privacy policies.

15. Website Availability and Security

Reasonable administrative, technical, and organizational measures are used to protect the website and information processed through it.
However, no electronic system can guarantee uninterrupted availability or absolute security.
The website or portal may occasionally be unavailable due to:
  • Maintenance
  • Security updates
  • System upgrades
  • Technical issues
  • Third-party service interruptions
  • Circumstances beyond reasonable control

16. Renewal Reminders

The website may allow users to record insurance renewal dates and receive reminders.
Renewal reminders are provided as a convenience only.
Users remain responsible for monitoring their insurance policies, expiry dates, payments, renewal requirements, and communications from their insurer or insurance agency.
A renewal reminder does not mean that a policy has been renewed or that coverage will continue automatically.

17. Appointment Requests

Submitting an appointment request does not guarantee that the requested appointment time has been confirmed.
An appointment is confirmed only when confirmation is provided by the applicable insurance representative or scheduling system.

18. Intellectual Property

Unless otherwise stated, original website text, branding, graphics, design elements, and other original materials may not be copied, reproduced, or used for commercial purposes without authorization.
Insurance company names, trademarks, logos, and other third-party intellectual property remain the property of their respective owners.

19. No Guarantee of Results

Nothing on this website should be interpreted as a guarantee of:
  • Insurance approval
  • Insurance availability
  • Lowest premium
  • Premium savings
  • Claim payment
  • Specific coverage
  • Underwriting outcome
  • Investment performance
  • Financial return
Insurance and investment-related insurance products involve terms, conditions, eligibility requirements, risks, and insurer-specific considerations.

20. Changes to Website Services

Website functionality, insurance categories, available services, or features may be modified from time to time.
The availability of a particular insurance product or service on the website does not guarantee that the product is available from a particular insurer or appropriate for a particular customer.

21. Changes to These Terms

These Terms & Conditions may be updated periodically to reflect changes to:
  • Website functionality
  • Insurance services
  • Applicable laws
  • Regulatory requirements
  • Privacy practices
  • Security practices
The latest version and effective date will be displayed on the website.
Where a material change requires additional consent under applicable law, appropriate consent will be obtained.

22. Limitation of These Terms

Nothing in these Terms & Conditions is intended to waive, restrict, exclude, or reduce:
  • Consumer rights
  • Privacy rights
  • Insurance-licensee responsibilities
  • Regulatory obligations
  • Professional duties
  • Statutory obligations
that cannot legally be waived, restricted, or excluded.

23. Governing Law

These Terms & Conditions are governed by the laws of the Province of British Columbia and the applicable federal laws of Canada.

24. Contact Information

For questions regarding the website or these Terms & Conditions, please contact:
For questions relating to a specific insurance policy, application, coverage, claim, or transaction, you may also be directed to the applicable insurance agency or insurer.