Insurance Basics - SafeBridge Financial Group

Five Basic Insurance Principles

Whether you need insurance to cover your mortgage, protect your family or replace your income if you lost the ability work, you want the peace of mind that comes with having the right plan in place. Here are five basic principles that will ensure your insurance needs are fully taken care of.

Know What You Have

Before starting your research, it is essential you know what you already have in place. If you have a group plan at work, you already have some amount of life insurance attached to it. Make sure you know how much coverage you already have in order to simplify your research time and questions.

Educate Yourself

It is almost impossible to ensure that you have chosen the right insurance product if you don’t know what insurance products actually exist. Do your research and learn as much as you can about each type of life insurancehealth insurance, or disability insurance – depending on what you are looking for.

Define Your Insurance Needs

Defining how much insurance you need can be as easy as using a basic insurance formula, or as complicated as completing a full Financial Needs Analysis. Regardless of the level of complexity you want to undertake, it is essential that you take the appropriate steps necessary to ensure you learn exactly how much insurance you actually need.

Think Long Term

In most cases, buying insurance is not a quick fix nor is it a one time decision. When deciding between your options, don’t forget to consider the long term costs beyond the ten or twenty years you are focused on today. Ensure whatever product you purchase can be reviewed and changed in the future if necessary.

Ask Questions

Never hesitate to ask questions of your current of potential Advisor. How will you determine my insurance needs? How will you take care of me after I set up insurance with you? What do your other client’s think of their experience with you? Best of all, what product and how much of it do you currently own?

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    Double Quotes

    Over the last 20 years we’ve been successful in attracting over 60 various lenders that our clients can benefit from. SafeBridge has evolved over the years and has become a very successful company…. The education, that comes along with not just the mortgage agent side of things, but also on the insurance and the investments and the financial planning all comes together in one holistic approach.


    Double Quotes

    For several years Andre has worked in the Financial Planning and Mortgage Solutions field with Scotiabank. After experiencing success, and gaining a wide knowledge base in the banking world, he decided to leave the bank to join a Boutique Mortgage Brokerage, Safebridge Financial Group.  Andre made the change so that he could offer clients a wider variety of mortgage options and lenders.

    Andre Persaud,

    Mortgage Agent

    SafeBridge Brokers & Advisors

    Meet the Team

    At SafeBridge we believe in experiencing growth together. We want to ensure that each of our agents is successful and feels a part of the SafeBridge team. We offer customized training, lender previews, team events and even team trips to build the strong culture of inclusion and support that so many of our agents enjoy.

    We believe it is essential to hire and Partner with the right people. We are looking for the best and brightest in the Industry to join our Exclusive Group of Professionals. Our team consists of loyal top producing Agents that have demonstrated exceptional care for their clients and passion for the industry in which they serve. Our Mortgage Centered Financial Planning approach helps our team foster long lasting relationships, which brings a unique process to the mortgage business.

    SafeBridge Partners
    Trusted by the
    Biggest Names in Mortgages

    With over 20+ years in the Mortgage Industry, SafeBridge has built a solid reputation in the industry and is well respected by all major lending partners. SafeBridge has partnerships with over 10 insurance providers in Canada and has access to hundreds of mortgage products.

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