Frequently asked questions

Do you charge for quotes or advice?

No. Quotes and consultations are free with no obligation.

Where are your offices?

Abbotsford (Unit 148 – 32050 Cedar Lane) and Surrey. Call (604) 835-1212 to book an appointment.

How do I get a quote?

Call us, use the quote form on this website, or email insuranceresp@gmail.com.

How long must Super Visa insurance be valid?

At least one year from the date your parent or grandparent enters Canada, and it must be in place for the whole time they are here.

Can I pay monthly?

Yes — IRCC accepts plans paid in instalments, and many insurers offer monthly payment options. A deposit may be required.

Are pre-existing medical conditions covered?

Many plans cover stable pre-existing conditions, usually at a higher premium. We'll explain each insurer's stability rules before you buy.

What if the visa is refused?

Many insurers refund the premium if the visa is refused, when you provide proof. We'll confirm the refund rules of the plan you choose.

Can I buy coverage after my visitor has arrived?

Yes, many insurers allow it, though a waiting period may apply to illnesses that begin shortly after purchase.

Can the policy be extended?

Most plans can be extended before they expire if your visitor decides to stay longer.

Is this the same as Super Visa insurance?

It's similar emergency medical coverage, but Super Visa plans must meet specific IRCC rules (at least one year and $100,000).

Doesn't my provincial plan cover me abroad?

Provincial plans cover only a small part of emergency costs outside Canada, which is why private travel insurance is recommended.

What is a multi-trip plan?

One annual policy that covers every trip you take during the year, up to a maximum number of days per trip.

Do I need to declare my medical history?

Yes. Answering health questions accurately is essential — an incorrect answer can lead to a denied claim.

Does my school already provide insurance?

Some schools include a plan in tuition, others don't. We'll check what you already have before recommending anything.

Can parents buy the policy from overseas?

Yes. Family members can arrange coverage before the student arrives so they're protected from day one.

How much life insurance do I need?

It depends on your debts, income, family and goals. Brinder will do a free needs analysis to give you a clear number.

Is the death benefit taxable?

In Canada, life insurance death benefits paid to a named beneficiary are generally received tax-free.

Can I switch from term to permanent later?

Most term policies can be converted to permanent coverage before a certain age without a new medical exam.

Is this better than the bank's mortgage insurance?

A personal policy keeps a level benefit, pays your chosen beneficiary and moves with you if you change lenders — bank coverage usually doesn't.

Can I add critical illness coverage?

Yes. Many families pair life and critical illness coverage so the mortgage is protected if either happens.

Who owns and pays for the policy?

The business owns the policy, pays the premiums and is the beneficiary.

Can disability be covered too?

Yes. Key person disability coverage can be added so the business is protected if the person can't work.

Is combination insurance cheaper?

Often, yes — bundling can cost less than three separate policies. We'll compare both ways for you.

When can coverage start?

Many plans can start shortly after birth. We'll confirm the insurer's rules for your baby.

Is non-medical insurance more expensive?

Usually, yes — the insurer takes on more risk. That's why we compare it against fully underwritten options.

What is the two-year limitation?

Guaranteed issue plans often pay only a refund of premiums (or a reduced amount) if death from illness occurs in the first two years.

Is a medical exam required?

Many funeral plans are simplified or guaranteed issue — no exam needed.

I was declined before — can I still get covered?

Often, yes. Another insurer may view your situation differently. Tell us what happened and we'll look at your options.

Can my child keep the policy as an adult?

Yes. Ownership can usually be transferred to the child when they become an adult.

Will a medical questionnaire be needed?

Some plans require health questions; others are guaranteed issue. We'll match you to the right one.

What illnesses are covered?

Most plans cover cancer, heart attack and stroke, and many cover 20+ conditions. Definitions differ between insurers — we'll compare them.

What is the survival period?

You must survive a short period after diagnosis (often 30 days) for the benefit to be paid.

Can I get my premiums back?

With a return-of-premium rider, some or all premiums can be refunded if you never claim.

How much of my income can I insure?

Typically a percentage of your earnings, depending on the insurer and your occupation.

What is a waiting period?

The time between the start of a disability and the first payment — often 30, 90 or 120 days. A longer wait lowers the premium.

Are pre-existing conditions covered?

Some plans cover them after a waiting period; guaranteed-issue plans accept everyone. We'll compare what fits your needs.

What are activities of daily living?

Everyday tasks such as bathing, dressing, eating, toileting, continence and moving from a bed or chair.

Is extended health different from personal health insurance?

They overlap — both cover costs your provincial plan doesn't. We'll help you choose the right package.

How many employees do I need?

Some insurers offer plans for very small businesses. Tell us your team size and we'll find options.

Can employees share the cost?

Yes. Many employers split premiums with employees.

How much can I contribute?

Your limit is based on your earned income and is shown on your Notice of Assessment from the CRA. Unused room carries forward.

RRSP or TFSA?

It depends on your income now and expected income in retirement. Many people use both — we'll help you decide.

Is there a contribution limit?

Yes — a yearly limit set by the government. Unused room carries forward, and withdrawals are added back the following year.

Can I use an FHSA and the RRSP Home Buyers' Plan together?

Yes, both can be used for the same qualifying home purchase if you meet the rules for each.

What counts as a first-time home buyer?

Generally, someone who hasn't lived in a home they or their spouse owned at any time in the current year or the previous four years.

Is there a minimum withdrawal?

Yes — a minimum percentage must be withdrawn each year, based on your age. Withdrawals are taxable income.

What if my child doesn't go to school?

There are options — the plan can be transferred to a sibling, contributions can be returned, and growth may be moved to an RRSP in some cases.

Who can open an RDSP?

A person who is eligible for the disability tax credit, is a Canadian resident with a SIN, and is under age 60 (or a parent/guardian on their behalf).

Do I need a will as well as insurance?

Yes. A will says who gets what; insurance provides the cash to pay taxes and costs. They work best together.

What type of policy is used for estate planning?

Usually permanent insurance — whole life or universal life — so the coverage lasts for life.