Independent Insurance & Mortgage Advisor · Ontario

The right coverage, the first time.

I'm Jaskaranpreet Assi — a licensed insurance advisor with access to 70+ providers. I help Ontario families protect their income, health, and loved ones, in plain language, with zero pressure.

Estimate My Coverage
0Insurance providers
0Licences — insurance & mortgage
0Independent advice
Policy · Ontario

Coverage, done right.

Two licences, one advisor — your protection and your mortgage, working together.

🛡LLQP
INSURANCE
🏠LEVEL 1
MORTGAGE
70+
PROVIDERS
60 secto your estimate
Access to 70+ providers, including
iA FinancialManulifeEquitable LifeEmpire LifeivariCanada Protection PlanForesters
Free Coverage Estimator

How much life insurance do you actually need?

Most people are guessing. Move the sliders for a personalized estimate in seconds — then I'll help you turn it into a real plan.

$75,000
$450,000
$25,000
$100,000
1
1 ≈ $100k each for education
Estimated coverage need
$1,175,000

A common starting point based on the DIME method — Debt, Income, Mortgage, Education.

Income replacement (×10)$750,000
Mortgage$450,000
Other debts$25,000
Education$100,000
Less existing coverage−$100,000

This estimate is for educational purposes only and is not insurance advice, a recommendation, or a guarantee of coverage or pricing. Your actual needs depend on your full financial picture and are determined together during a consultation.

Jaskaranpreet Assi — LLQP Insurance Agent & Level 1 Mortgage Agent · Mississauga, Ontario
About Me

Advice that treats your money like it's my own.

Hi, I'm Jaskaran. I became an advisor because I watched too many families buy products they didn't understand — coverage that didn't fit, and advice that served the seller more than the client.

As a homeowner and advisor in the GTA, I work with young professionals, new families, and first-time buyers across Ontario. My approach is simple: understand your full picture first, explain everything in plain language, and recommend only what genuinely fits.

  • Independent — I shop 70+ insurance providers, not one company's shelf
  • Plain-language advice with no pressure, ever
  • Insurance-first planning, with mortgage strategy built in
/ 01 — What I Do

Every product, chosen for your life.

From your first policy to your first home — I'll help you understand your options and pick what actually fits. See every product explained in detail →

01

🛡Term Life Insurance

Affordable coverage for the years your family needs it most — ideal for mortgages, young families, and locking in low rates while you're healthy.

02

Whole Life Insurance

Lifelong protection that builds guaranteed, tax-sheltered cash value — a cornerstone for estate planning and long-term wealth.

03

Critical Illness

A tax-free lump sum if you're diagnosed with a covered condition like cancer, heart attack, or stroke — so you focus on recovery, not bills.

04

💼Disability Insurance

Your income is your most valuable asset. Replace up to 85% of it if illness or injury stops you from working — essential for the self-employed.

05

📈TFSA · FHSA · RESP

Tax-advantaged accounts for every goal — growing wealth, buying your first home, or funding your child's education, with the right strategy for each.

06

🏠Mortgage Solutions

As a licensed Level 1 mortgage agent, I help first-time buyers and homeowners find financing that fits — and protection that travels with it.

The Dual-Licence Advantage

Why work with an advisor who sees both sides?

Your mortgage is likely your biggest liability. Your insurance is what protects it. Most advisors handle one — I'm licensed for both.

01

Coverage built around your actual mortgage

Instead of a generic policy, your protection is matched to your real amortization, balance, and family situation — so you're never over- or under-insured.

02

Your family gets paid — not the bank

Bank mortgage insurance pays the lender and shrinks as you pay down your balance. A personal policy pays your family directly, and they choose how to use it.

03

One conversation, not four

Buying a home involves a mortgage, protection, savings strategy, and closing timelines. I coordinate all of it, so nothing falls through the cracks.

04

Independent, multi-carrier advice

With access to 70+ providers — including iA, Manulife, Equitable Life, Empire Life, ivari, Canada Protection Plan, and Foresters — I recommend what fits you, not a quota.

/ 02 — How It Works

A clear plan in three steps.

No pressure, no jargon — just an honest process designed around you.

STEP 01

Free Discovery Call

A relaxed 30-minute conversation about your goals, your family, and your finances. We map where you are and where you want to go — no commitment required.

STEP 02

Your Personal Strategy

I compare options across multiple carriers and build a plan covering your protection, savings, and mortgage needs — explained in plain language, with real numbers.

STEP 03

Ongoing Support

Life changes — new home, new baby, new business. I review your plan with you regularly so your coverage always matches your life, not last year's.

Get in Touch

Let's build your plan together.

Answer a few quick questions and I'll get back to you within one business day. Every consultation is free, and there's never any pressure to buy.

160 Traders Blvd E, Mississauga, ON
Start Here

Ready to get started?

Answer five quick questions so I understand your situation — then I'll reach out within one business day with real answers, not a sales pitch.

Takes 60 secondsNo obligation100% free
Free Financial Tools

Plan with real numbers.

Explore your options in seconds. These interactive calculators give you a clear starting point — then I'll help you turn the numbers into a real strategy built around your life.

Compound Growth

Investment Growth Calculator

See how consistent investing and compound growth can build real wealth over time.

$10,000
$500
6%
20 yrs
Projected value
$0

Assuming monthly contributions compounding at your chosen rate.

Total contributions$0
Investment growth$0

Estimates for illustration only, assuming a constant rate of return. Actual returns vary and are not guaranteed. This is not investment advice.

Education Savings

RESP Calculator

See how your contributions plus the Canada Education Savings Grant (CESG) can grow for your child's future.

$208
15 yrs
6%

CESG adds 20% on your contributions — up to $500/year and $7,200 lifetime per child.

Projected value at 18
$0

Includes your contributions, government grants, and compound growth.

Your contributions$0
Government grants (CESG)$0
Investment growth$0

Estimate only. CESG eligibility and amounts depend on your circumstances and government rules. Additional grants (e.g. CLB, provincial grants) may apply. Not financial advice.

Home Financing

Mortgage Payment Calculator

Estimate your monthly payment using Canadian semi-annual compounding — including estimated CMHC insurance where applicable.

$700,000
10%
5.0%
25 yrs

Estimated monthly payment
$0

Principal & interest, before property tax and heating.

Down payment$0
Mortgage amount$0
Est. CMHC insurance$0
Total interest (over term)$0

Estimate only, using Canadian semi-annual compounding. CMHC premium is approximate and excludes provincial sales tax on the premium. Actual rates, payments, and approval are determined by the lender. Not a mortgage approval or offer.

Retirement Planning

Retirement Savings Calculator

Project your nest egg with an RRSP or TFSA strategy — and see the monthly income it could support.

$25,000
$600
6%
30 yrs
Projected nest egg
$0

Could support about $0/mo in retirement (4% rule).

Total contributions$0
Investment growth$0

Estimates for illustration only, assuming a constant return and the 4% withdrawal guideline. Actual results vary and are not guaranteed. Not financial advice.

Products, In Detail

Every product, explained clearly.

No jargon, no pressure — just a straight explanation of how each product works in Canada, who it's built for, and what to watch for. When you're ready, I'll help you find the right fit across 70+ providers.

Protection01

Term Life Insurance

Affordable coverage for a set period — 10 to 30 years

Term life is the simplest and most affordable form of life insurance in Canada.

You choose a coverage amount and a term length — commonly 10, 20, or 30 years — and pay a level monthly premium for that period. If you pass away during the term, your beneficiaries receive a tax-free lump sum. It's best suited to people who have dependants, a mortgage, or an income others rely on, and who want the most coverage for the lowest cost during the years it matters most.

10–30 yrsTypical term lengths in Canada
Tax-freeDeath benefit paid to beneficiaries
$0Cash value — pure protection

Who it's for

  • New parents protecting their family through the early years
  • Homeowners who want their family to keep the home
  • Young professionals locking in low rates while healthy
  • Business owners covering a loan or key-person risk

Strengths

  • Lowest cost per dollar of coverage
  • Simple and easy to understand
  • Death benefit is tax-free in Canada
  • Often convertible to permanent coverage with no new medical

Things to know

  • No cash value — nothing back if the term expires
  • Renewals after the term cost significantly more
  • Coverage ends at a set age
  • Future health changes can make new coverage harder
Canadian note: A death benefit paid to a named beneficiary bypasses probate entirely — a simple but important part of Canadian estate planning.
Permanent02

Whole Life Insurance

Lifelong coverage with guaranteed cash value

Whole life provides permanent coverage that never expires as long as premiums are paid, and it builds guaranteed cash value that grows tax-deferred inside the policy.

That cash value can be accessed through policy loans or withdrawals, making it both a protection tool and a long-term asset. In Canada it's widely used for estate planning, business succession, and tax-sheltered growth — especially once TFSA and RRSP room is maxed out.

LifetimeCoverage never expires
GuaranteedCash value growth — no market risk
Tax-deferredGrowth sheltered in the policy

Who it's for

  • Estate planners guaranteeing a tax-free legacy
  • High-income Canadians sheltering savings past TFSA/RRSP
  • Business owners using corporate-owned strategies
  • Parents locking in low rates early for a child

Strengths

  • Permanent — no renewals, no expiry
  • Guaranteed cash value regardless of markets
  • Participating policies may earn annual dividends
  • Excellent for corporate-owned insurance in Canada

Things to know

  • Significantly higher premiums than term
  • Cash value takes several years to build
  • Fixed premiums — less flexible than universal life
  • Surrendering early can result in a loss
Canadian strategy: Corporate-owned whole life is widely used by business owners to move retained earnings out of a corporation tax-efficiently. We'll coordinate with your tax advisor to see if it fits.
Permanent03

Universal Life Insurance

Flexible permanent coverage with an investment component

Universal life (UL) separates the cost of insurance from an investment account inside the policy.

You pay a flexible premium, and anything above the insurance cost goes into a tax-sheltered account you direct — from conservative, GIC-like options to equity-linked funds. UL offers adjustable coverage and premiums, making it one of the most flexible permanent products in Canada, though it needs more active management than whole life.

FlexiblePremiums & death benefit adjustable
Tax-shelteredInvestment account inside the policy
LifetimeCoverage is permanent

Who it's for

  • Clients who want control over how cash value is invested
  • High earners sheltering growth beyond RRSP/TFSA
  • Business owners wanting premium flexibility
  • Estate planners maximizing a tax-free benefit

Strengths

  • Flexible premiums and adjustable coverage
  • Tax-sheltered investment growth
  • Strong estate-planning tool
  • Investment choice to match your comfort level

Things to know

  • More complex than other products
  • Requires ongoing monitoring
  • Investment risk depends on the options you choose
  • Underfunding can put the policy at risk
Good to know: UL rewards clients who stay engaged. I'll model funding scenarios with you so the policy stays healthy over the long run.
Health04

Critical Illness Insurance

A tax-free lump sum if you're diagnosed with a covered illness

Critical illness (CI) insurance pays a tax-free lump sum if you're diagnosed with a covered condition — commonly cancer, heart attack, or stroke, among others.

You can use the money however you need: cover your mortgage, replace lost income, pay for treatment or travel, or fund care that provincial health plans don't. It complements — rather than replaces — your life and disability coverage.

Lump sumPaid tax-free on diagnosis
25+Conditions covered by many plans
OptionalReturn-of-premium riders available

Who it's for

  • Anyone with a mortgage or dependants
  • Self-employed Canadians with no sick leave
  • Families wanting a financial cushion during recovery
  • People with a family history of illness

Strengths

  • Payout is tax-free and can be used for anything
  • Covers costs provincial health plans don't
  • Optional return-of-premium on some plans
  • Pairs well with life and disability coverage

Things to know

  • Only covers the conditions listed in the policy
  • Definitions and survival periods matter
  • Premiums rise with your age at application
  • Pre-existing conditions may be excluded
Why it matters: A serious diagnosis is as much a financial event as a medical one. CI is designed to remove the money stress so you can focus on recovery.
Income05

Disability Insurance

Replace a large share of your income if you can't work

Disability insurance (DI) replaces a portion of your income — often 60% to 85% — if an illness or injury stops you from working.

For most people, the ability to earn an income is their single largest asset. Group coverage through an employer is often limited and disappears if you change jobs; a personal policy fills the gaps and stays with you no matter where you work.

60–85%Of income typically replaced
To age 65Benefit periods available
PortableCoverage follows you between jobs

Who it's for

  • Self-employed workers and contractors with no sick leave
  • Professionals whose income funds their lifestyle
  • Anyone whose family depends on their paycheque
  • Employees with limited or no group coverage

Strengths

  • Protects your most valuable asset — your income
  • Own-occupation options available
  • Portable, unlike most group coverage
  • Benefits are often tax-free when you pay premiums personally

Things to know

  • Definitions of "disability" vary between policies
  • Waiting (elimination) periods apply before benefits start
  • Occupation and health affect your pricing
  • Group benefits may reduce what a personal policy pays
Canadian note: When you pay DI premiums personally with after-tax dollars, the benefits you receive are generally tax-free.
Wealth06

Investments & Savings

Tax-advantaged accounts and segregated funds

Beyond protection, I help you grow and shelter wealth using the right registered accounts — TFSA, FHSA, RESP, and RRSP — and segregated funds.

Seg funds are investment funds with insurance features: principal guarantees, potential creditor protection, and named-beneficiary payouts that bypass probate. Together, these tools help you build toward a first home, your child's education, and retirement, tax-efficiently.

TFSA·FHSA·RESPRegistered accounts for every goal
GuaranteesSegregated-fund principal protection
Bypass probateNamed-beneficiary payouts

Who it's for

  • First-time buyers saving in an FHSA
  • Parents building education savings with RESP grants
  • Anyone growing tax-free wealth in a TFSA
  • Business owners and estate planners using seg funds

Strengths

  • Tax-advantaged growth across every account
  • Government grants like the CESG for RESPs
  • Seg-fund guarantees and potential creditor protection
  • Beneficiary payouts that avoid probate

Things to know

  • Each account has its own contribution limits and rules
  • Seg funds carry higher fees for their guarantees
  • Government grants come with eligibility conditions
  • Investments carry market risk unless guaranteed
Worth knowing: The FHSA combines an RRSP-style tax deduction with TFSA-style tax-free withdrawals for a first home — one of the best new tools for young Canadians.
Home Financing07

Mortgage Solutions

Financing that fits — plus protection that travels with it

As a licensed Level 1 Mortgage Agent, I help first-time buyers and homeowners find financing that fits their goals.

And because I'm also insurance-licensed, I make sure the protection around your mortgage actually works for your family — not just the lender. It's one advisor coordinating the two biggest pieces of your financial life, so nothing falls through the cracks.

First-timeBuyer programs & guidance
FHSA + HBPDown-payment strategies
One advisorMortgage & protection together

Who it's for

  • First-time buyers planning their purchase
  • Homeowners renewing or refinancing
  • Self-employed buyers with unique income
  • Anyone who wants mortgage and coverage coordinated

Strengths

  • Guidance through the entire buying process
  • Protection matched to your real mortgage
  • A personal policy pays your family, not the bank
  • Down-payment strategies using FHSA and the RRSP HBP

Things to know

  • Lending decisions are made solely by the lender
  • Rates and approval depend on your profile
  • Mortgage default insurance may apply under 20% down
  • As a Level 1 agent, I work with approved lenders under my brokerage
Why it matters: Bank mortgage insurance shrinks as you pay down your balance and pays the lender. A personal term policy pays your family directly — and they decide how to use it.