Life Insurance

No one really wants to think about life insurance. But if someone depends on you financially, it’s a topic you can’t avoid. In the event of a tragedy, life insurance proceeds can:

Pay for funeral costs

Help pay the bills and meet ongoing living expenses

Pay off outstanding debt, including credit cards and the mortgage

Continue a family business

Finance future needs like your children’s education

Protect a spouse’s retirement plans

Getting life insurance doesn’t have to be hard (or boring). Just having a discussion will help us determine how much coverage you need and what kind to buy, plus information about how different life events—such as having children or buying a home—can affect your insurance needs. So why not get started!

Apply online for up to $500,000 in no medical life insurance here

Disability Insurance

Your ability to earn a living is far and away your largest asset. Without your paycheck, how long would you be able to make your mortgage or rent payment, buy groceries or pay your credit card bills without feeling the pinch? If you’re like most, it wouldn’t be long at all.


That’s where disability insurance comes in. Think of it as insurance for your paycheck. It ensures that if you are unable to work because of illness or injury, you will continue to receive an income and make ends meet until you’re able to return to work.


You don’t hesitate to insure your home, car and other valuable possessions, so why wouldn’t you also protect what pays for all those things—your paycheck.

Critical Illness Insurance

Critical Illness policies provide lump-sum payments that can be used to cover many costs related to illness — including medical care, travel expenses or wages of a family member leaving work to help. Like Life Insurance, Critical Illness Insurance can be an important element in your financial plan. By paying you cash benefits when you are diagnosed with a listed, life threatening illness, it gives you time and maybe a few more options in how you will respond.

Mortgage Insurance vs Bank Insurance

Did you know that their is a difference between the insurance that we can offer you and what the banks can offer you? We would be happy to discuss the differences with you, but first lets start with the following seven points to consider when choosing the kind of insurance you apply for.


Do you want to decide/name who will receive then benefit in the event of a claim? 

Amount of Insurance

If you're considering making an application for life insurance, for your mortgage, would you like to check/compare the cost of including any other debt or loans you may have in the cost?



Would you like to have the comfort of knowing the insurance company has reviewed your medical history and accepted the risk of insuring you, before you have a claim?



If making changes to your mortgage, would you like to be able to transfer the insurance without re-applying?



If you decide to apply for new insurance because of changes to your mortgage, are you happy to start the contestability period again?


Decreasing Insurance

Are you happy that your insurance protection is decreasing in line with your mortgage?



Are you happy for your premiums to stay the same, even though the coverage is reducing?


Our Top 3

Insurance Providers

(Main) 306-221-7493     (Fax) 833-537-5387

601 - 45th Street West, Saskatoon SK S7L 5W5

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©2019 by Reimer Financial Ltd
Mortgage Architects, Brokerage# 316728
Karen Reimer, Mortgage Broker# 315749
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