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When I started to discuss about my insurance plan with Insurance Ocean professionals, they really impressed me on both a Business and Personal level. While most of the insurance companies focus on web-based transactions, its was nice to see that there are still companies like Insurance Ocean where you can just call up and talk to. I honestly say you cannot get better services than Insurance Ocean provides.
Austin Davis, Ottawa
"Insurance Ocean provided excellent service to our family’s insurance needs on both Life and Home insurance. We find their appraisals and recommendations to be very professional. Insurance Ocean provided us the information necessary to ensure that we covered our life and property and at the same time, we stayed on our family budget. Excellent customer service.”
Karlson, Toronto
"I have nothing but praise for the team of knowledgeable, dependable and supportive professionals at Insurance Ocean. I find Insurance Ocean as one of the finest professionals in the insurance business and if you are looking for a Critical Illness Insurance then you must be here to clarify on your doubts. Insurance Ocean knows critical illness insurance “inside - out” and they are always eager to answer your questions.”
Rian Knight, Ontario
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LIFE INSURANCE PRODUCTS
(1) Why should I go for Insurance Ocean’s Life Insurance Products?
We at Insurance Ocean maintain the highest level of integrity in all aspects of our dealings with existing and potential clients. Our different Life Insurance policies provide coverage to you and your family at every step of your life.
(2) What information should I submit to purchase Disability Income insurance and what are its benefits?
For Disability Income Insurance you need to provide the following information: Name, Address, Phone Number, Email Id, Date of Birth, Current Employer, Occupation and Gross Monthly Salary.
Disability income insurance policies provide income replacement benefits, assist recipients to return to work, and are combined with extended health care benefits.
(3) What is the difference between Term Life and Permanent life insurance?
Term life insurance coverage is for a limited period of time, which meets all your temporary insurance needs. The premium amount can be paid in 10 years, 15 years, 20 years or until the age of 65, 75 or up to the age of 100. The longer the duration of the insurance, the higher is the cost.
Permanent Life Insurance or Whole Life Insurance remains in force until the entire lifetime of the policyholder. The premium amount can be paid in 10 years, 20 years, or until the age of 65, or up to the age of 100. Permanent life insurance provides lifetime insurance protection and does not expire until the policyholder opts out or if the premiums are not paid on time.
(4) Do you offer any policy that covers both insurance protection and saving for an average earner?
Yes, we provide Universal Life Insurance products that offer both life insurance protection and savings for persons with average income. This life insurance plan combines permanent life insurance protection with a flexible portfolio of investment options.
HOME INSURANCE PRODUCTS
(5) What are the losses covered under House Insurance?
Insurance Ocean offers House Insurance products that protect your house from burglary, accidental damage, flooding, fire damage, and from accidental damage of other people's belongings either in your own house, or somewhere else.
(6) What are the types of House Insurance products you are offering?
For your convenience, we offer House Insurance products on Buildings Insurance, Contents Insurance and a combination of both Building and Content Insurance.
(7) What happens if the insured house is sold?
If the insured house is sold, you have two options.
(a) You can transfer the policy to the person to whom the house is sold.
(Or)
(b) Cancel the policy and get the premium back on pro-rata basis.
(8) What are the benefits of having Tenant and Condominium Insurance?
Tenant Insurance protects your contents and your liability coverage. As a tenant or renter, you are responsible for the harm you might cause to any part of the building you live in, or to others who live or visit there. If any loss or damage happened knowingly or unknowingly, Tenant Insurance policy will cover that loss or damage.
Condominium Insurance removes the financial worries of your condominium ownership and provides you the protection for your contents. It provides coverage for your direct physical loss of jewelry, watches, precious and semi-precious stones, fine art and antiques, musical instruments as well as protection for assessments levied on you by your condominium corporation.
HEALTH INSURANCE PRODUCTS
(9) What is Health Insurance? How is it beneficial to my family and me?
Health Insurance protects you and your family against unforeseen expenses arising from illness, injury or accidents. Although health insurance cannot prevent a serious injury or illness, it helps you to maintain financial stability.
(10) I am 50 years old and suffering from a chronic disease. Do you have any insurance policy for me?
Yes, we are offering Long-term Care Insurance for persons suffering from chronic diseases.
(11) What is No Medical Insurance?
No Medical Insurance helps you to get the insurance amount faster without having to worry about going to the doctor. According to the policy, there is no physical medical examination required all you have to do is to answer a simple questionnaire that addresses your medical history.
COMMERCIAL INSURANCE PRODUCTS
(12) What are the benefits of Property Insurance?
Property insurance provides a guarantee to the property owners that the insurance company will cover any loss or damage to the property. All Property Insurance policies protect your assets, liabilities and assure you of your financial stability.
OTHER INSURANCE PRODUCTS
(13) What is RRSP and what are the benefits?
A Registered Retirement Savings Plan (RRSP) is a flexible, attractive savings tool. In addition to reducing your tax bill, it enables you to accumulate significant amounts and defers income tax on your investment returns. The sooner you start saving, the more quickly you can start savings your money. Any person under the age of 69 who has employment income is eligible for this policy.
(14) I want to buy Insurance for my child’s future education that suits my budget. Do you offer any such policy?
Yes, we offer Education Savings Plan (ESP), which is a savings vehicle generally used by parents to save for their children's post-secondary education. You can choose your premiums according to your budget.
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