Whole life
Permanent coverage that can last your whole life, with cash value that can grow. Quoted with Habib — not in the instant table.
Ontario advisor
More than a term quote.
The quote is how most people meet Habib. What lasts is the rest of the picture: term, whole life, universal life, RRSPs, TFSAs, travel, and non-registered plans — so the same advisor who protected this generation is still there for the next.
RIMI · official forms
Travel
Canuck Voyage if you are travelling. Secure Study and Secure Travel if family or a student is coming here. Quotes run on RIMI’s form with Habib’s tracking. This office is who they call if the form is a wall.
Four travel quotesPermanent life and protection
Whole life and universal life are how coverage can outlast a term. Mortgage, children’s life, and critical illness sit beside them. None of these are in the instant table — Habib’s broker quotes them on the call, usually Habib.
Ask Habib
Universal life
Permanent coverage with flexible premiums and a savings component you can adjust as life changes.
Mortgage protection
Coverage sized to the mortgage, so the home is not the problem if something happens.
Children's life
A small policy that can lock in insurability early. Quoted with Habib.
Critical illness
A lump sum if you are diagnosed with a covered condition — so treatment is not a money problem.
Retirement and savings
RRSPs, TFSAs, and non-registered plans are how families grow what they keep. Habib’s office walks you through what fits — no invented numbers on this page, no pressure on the call.
RRSP
Registered Retirement Savings Plan — tax-deferred savings for later. Habib walks you through options that fit your situation.
TFSA
Tax-Free Savings Account — growth you can use later without tax on withdrawals.
Non-registered plans
Savings and investment accounts outside registered plans, for money that does not fit an RRSP or TFSA.
Disability, RESP, and more
Income protection, education savings, and the rest of the picture. Ask on the call — Habib will tell you what applies.
For business owners
Key person and buy-sell sit beside the personal term file. Mortgage brokers, accountants, and realtors: send the client — Habib’s broker calls, usually Habib. LinkedIn.
Relationships for life — across generations.
Habib builds relationships for life — with you, your family, and the generations that follow.
Term is how most people start. Whole life, universal life, RRSPs, TFSAs, and non-registered plans are how the same advisor stays useful for decades.
Ask about any of it.
Leave your number. Habib’s broker will call within one business hour — usually Habib — and quote the product you asked about. Or dial (647) 512-7271 now.