Case studies
Welcome to einsured.ca's Case Studies Section
.At einsured.ca, we pride ourselves on our extensive experience and comprehensive expertise in navigating the complex world of insurance. We believe in transparency and the power of real-world examples to illustrate the value we bring to our clients. Below, you’ll find a selection of case studies that showcase our ability to provide tailored, effective insurance solutions across various sectors and client types.
Age
41
Condition
Weight loss surgery
Approval
7 Days
Need Analysis
Non-medical Life Insurance
applied
Age
41
Gender
Female
Condition
Weight loss surgery
Approval
7 Days
Application Time
35 minutes
Discussion & meeting
50 minutes
Client
A young couple, both healthy 30 and 32 year old non-smokers, are eager to start their new family in their new home.
Concern:To ensure they have financial protection should the unexpected happen.
Short-term life insurance needs covering mortgage and bank loans: $350,000 each
Long-term life insurance needs covering funeral costs and final expenses: $50,000 each
Income protection need if diagnosed with a critical illness: $50,000 each
Prices are subject to increase or decrease according to the associated insurance provider. As retirement looms, the need for insurance protection may dwindle for clients, who may instead require cash. To meet this need, clients can opt to surrender their policy and receive the available cash surrender value (CSV) at the age 65.
Age
35
Condition
Diabetic
Approval
7 Days
Needs Analysis
No-medical Life Insurance applied
Age
35
Gender
Female
Approval
10 Days
Condition
Diabetic
Application Time
40 minutes
Discussion & meeting
45 minutes
Client
Diagnosed with Multiple sclerosis 7 years ago
an A rated life insurance company
▶Age: 35
▶Gender: Male
▶Non-smoker
▶Condition: Chronic Multiple sclerosis
▶Application Time: 40 minutes
▶Review and Discussion: 50 minutes
▶Approval after submission: 6 Days
Client
Unable to buy insurance because of diabetes requiring insulin.
Congratulations to our client!
▶Age: 44
▶Gender: Male
▶Non-smoker
▶Condition: Diagnosed with diabetes more than 11 years ago.
▶Application Time: 45 minutes
▶Review and Discussion: 45 minutes
▶Approval after submission: 5 Days
Client
John & Cynthia took mortgage insurance from Bank
- High Premiums
- Couldn’t update beneficiaries without Bank approval
- Faced 3 month delays just to change policy details after having a child
They consulted a private mortgage insurance advisor and switched providers.
- They became the policy owners
- Could update beneficiaries instantly
- Lower, fixed premiums
- Coverage stays intact even if they switched lenders
Client
David, a 35 year-old Truck Driver, self-employed
No income, No savings: Without disability insurance, David’s savings ran out. Bills piled up, and his wife had to take extra work. With disability coverage, he could have received monthly benefits.
Protect your future before it's TOO LATE! David’s story is a reminder - life is unpredictable. Disability insurance ensures financial stability when you can’t work.
Client
Purchased Deferred Elite Term-10 with $100,000 coverage, deceased.
▶Age: 35
▶Gender: Male
▶Non-smoker
▶Documents required: Claimant’s assessment, APS, coroner’s report
▶Claim decision: Fully paid
Client
Raj (32) and Simran (29), parents of a 2-year-old. Household income: $85,000.
They wanted life insurance but worried about affordability with daycare and mortgage expenses.
Solution: We compared policies across multiple providers and secured a 20-year Term Life policy for Raj at just $28/month and Simran at $21/month.
Outcome: For under $50/month, the family has $500,000 coverage each, ensuring their child’s future is protected even if something unexpected happens.
Client
Self-Employed Professional: Amandeep (40), owns a trucking business, income around $120,000 / year.
No employer benefits, wanted coverage that also builds cash for retirement.
Solution: We recommended a Whole Life Insurance plan that provides lifelong protection plus cash-value growth.
Outcome: Amandeep now has peace of mind knowing his family is covered, while also building a financial reserve he can use later for business expansion or retirement planning.
Client
Harpreet (55), nearing retirement, with a paid-off home and 2 adult children.
Didn’t need income replacement but wanted to cover final expenses and leave a tax-free legacy.
Solution: A Permanent Life Insurance policy for $250,000. Premiums: $190/month.
Outcome: Guaranteed tax-free payout to her children, plus peace of mind knowing her estate costs will be covered.
Client
Mr. & Mrs. Sharma, both 62, visiting their son in Brampton.
Needed Super Visa Insurance for 2 years but were overwhelmed by high costs.
Solution: We compared 8+ insurers and found a $100,000 medical coverage refundable policy, with a monthly payment option.
Outcome: Savings of nearly $1,200 compared to their bank’s quote, with flexible payments. They entered Canada stress-free, knowing medical emergencies are covered.
Interested in discussing your specific needs?
Book a meeting today for a comprehensive insurance review and discover how we can tailor our solutions to your unique challenges.
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