Maria Chekmareva Insurance

🔑 Узнайте всё о покупке недвижимости от опытных специалистов: риэлтора, ипотечного брокера и консультанта по страхованию.
🏡 Эта встреча будет вам интересна, если:
- Вы планируете купить недвижимость
- Хотите разобраться в тонкостях ипотечного процесса
- Хотите понять, как правильно подобрать страховку
Будет полезно и новичкам, и тем, кто хочет освежить свои знания!
📅 Когда? 13 сентября, с 6:30 pm - 8 pm

📍 Где? 37 Richard Way SW #200 (Intrinsic Innovation), Calgary
На мероприятии три эксперта помогут вам понять:
- Как получить ипотеку, даже если у вас нет идеальной кредитной истории (Ariela Ribalko - Mortgage Agent , ипотечный брокер).
- Какие этапы покупки недвижимости нужно пройти и какие ошибки стоит избегать (Liliya Tsay, риэлтор).
- Чем страхование жизни отличается от ипотечного и как выбрать наиболее выгодный вариант (Maria Chekmareva, специалист по страхованию).
И многое-многое другое!
👥 Это отличная возможность получить ответы на все ваши вопросы, насладиться легкими закусками и, конечно, узнать о приятных сюрпризах, которые мы приготовили!
🎁 Вход бесплатный, но места ограничены. Поспешите зарегистрироваться по ссылке: https://forms.gle/FopUTZ7LfPjKkheo6

🌟 Understanding the importance of insurance has been a journey for me over the years. From helping clients navigate various policies to witnessing firsthand how insurance can be a lifeline in challenging times, it's clear: insurance matters.

💼 Whether it's providing financial stability during injury-induced work hiatuses or easing the burden of medical bills post-surgery, the right insurance can make all the difference.

✅ Here's a quick guide to the types of insurance I specialize in:

🏥 Life Insurance: Permanent or Temporary (Whole, Term, or Mortgage Life)
💼 Income Replacement Insurance: Disability Coverage
⚕️Critical Illness Insurance: Protection against Cancer, Stroke, Heart Attack
👥 Group Benefits
💳 Health Spending Account (for Corporations)
🛫 Travel Insurance: For Canadian Travelers and Visitors to Canada

📩 Need guidance on any of these? Reach out for a consultation. Your peace of mind matters. "

🌐 www.mc-insurance.ca
📞 587-894-0675
✉️ [email protected]

🎉🐰 Double the Celebration, Double the Protection! 🃏🌟

Happy Easter and April Fools' Day to all our wonderful friends and followers! 🎉 Today isn't just about chocolate eggs and playful pranks; it's also a reminder to safeguard what matters most in life.

As we enjoy the festivities, let's also take a moment to consider the importance of protection for life's unexpected twists and turns. Just like a well-placed Easter egg or a clever prank, insurance can provide security and peace of mind for you and your loved ones.
🏠 Mortgage Insurance or Life Insurance: When considering Mortgage Insurance versus Life Insurance, it's essential to evaluate your family's needs and long-term financial goals to make the best decision.

💼 Income Replacement Insurance: Protect your financial stability, no matter what curveballs come your way.

🌍 Travel Insurance or Visitors to Canada Insurance: Explore the world with confidence, knowing you're covered against unforeseen events, whether you're traveling abroad or welcoming guests to Canada.

This Easter Monday and April Fools' Day, let's celebrate life's joys and uncertainties by securing our futures. Reach out to learn more about how our insurance options can bring you peace of mind in every season.

Wishing you a day filled with laughter, love, and the assurance of protection. Happy Easter and April Fools' Day! 🎉🐰🃏

🏠🔍 New home buyers and mortgage renewers often ask me: Mortgage Insurance 🛡️ or Term Insurance? 🤔 Here are some comparisons:

🛡️ Mortgage Insurance:

-Typically tied to your mortgage balance.
-Pays off your mortgage if you pass away.
-Premiums may be higher compared to term insurance.
-Coverage decreases as you pay off your mortgage.

💼 Term Insurance:

-Provides a lump-sum payment to beneficiaries.
-Offers more flexibility and can cover various expenses, not just the mortgage.
-Premiums are generally lower compared to mortgage insurance.
-The coverage amount remains the same throughout the term.

Ultimately, the choice depends on your individual circumstances and financial goals. However, each situation is preferable to look at individually.

Feel free to contact me for a private consultation:
📞 587-894-0675
✉️ [email protected]

🏡💡

🍁 Travel Safely with Visitors to Canada Insurance! 🍁

Visiting Canada to see loved ones or explore its wonders? Make sure you're covered with Visitors to Canada insurance – essential for Supervisa applicants (parents/grandparents) and all visitors!

✅ Comprehensive Protection
✈️ Supervisa Insurance Available
🏥 24/7 Emergency Medical Assistance
💼 Peace of Mind for All Visitors

Contact us today to secure your Canadian journey!

Happy Valentine's Day Everyone!🥰

🏠🔒 Safeguard Your Home: Mortgage Insurance vs. Term Life Insurance 🔒🏠

Trying to choose between Mortgage Insurance and Term Life Insurance for your home? Let's break it down:

🔍 Mortgage Insurance:

- Covers your mortgage if you die.
- Pays off your mortgage balance.
- Decreases as you pay off your mortgage.
- Tied to your lender.

💡 Term Life Insurance:

- Gives your family a lump sum if you die.
- Covers more than just the mortgage.
- Stays the same throughout the term.
- You decide who gets the money.

🤔 Which Is Better?

- Mortgage Insurance is simple but limited.
- Term Life Insurance offers more coverage and flexibility.

💬 Need Help Deciding?
We're here to help you find the right fit for your family's protection!

Feel free to contact us:
📧[email protected]
☎️ 587-894-0675 - Maria

🏡 Planning to turn your dream home into a reality this year? 🏡 If you're gearing up to purchase your first house, it's essential to take strategic steps for a secure financial future. 💼💰 One astute move is to open a First Home Savings Account. 🏠 Did you know you can contribute up to $8,000 this year and in the subsequent years? The best part – both spouses can contribute! 👫💵 Total contributions are capped at $40,000 for a lifetime.
Why should you consider this account? 🤔 Not only does it serve as a fantastic savings tool for your dream home, but it also comes with tax benefits. Your contributions can help reduce taxes until you're ready to utilize them for your first home 📉💼
While laying the financial groundwork for your home, it's equally crucial to safeguard your family's future. 🛡️👨‍👩‍👧‍👦 Life is unpredictable, and that's where life insurance comes in. Consider obtaining term insurance to ensure your loved ones are financially protected in case of unforeseen circumstances. 🌐💚
Take the initial step toward homeownership and financial security. 🚀✨ By making informed decisions and investing wisely, you're not just acquiring a house; you're constructing a future. 🏡💑💼

🔒 Protecting your future, one policy at a time! 🌟
I am here to answer all your questions about insurance. Whether you're new to the world of insurance or looking to review your existing policies, we've got you covered.

Here are some of the insurance products we offer:

1️⃣ Term Insurance vs. Mortgage Insurance: Choosing the Right Fit 🏡
2️⃣ Permanent Life Insurance with Savings and Investment 💰
3️⃣ Critical Illness and Disability Insurance: Preserving Financial Stability 💪
4️⃣ Children's Insurance: Coverage for Sports Activities and Beyond ⚽
5️⃣ Health Insurance for Businesses: Group Benefits and Health Spending Account 🏥
6️⃣ Travel Insurance: Peace of Mind for Canadians and Visitors to Canada ✈️

Your financial security is our top priority. I am ready to assist you in making the right choices to safeguard your future.

Got questions? Feel free to ask! We're here to help.
📞587-894-0675
www.mc-insurance.ca

🎃👻 Happy Halloween Everyone! 👻🎃 Don't be scared of your future; protect your family! 🌟👨‍👩‍👧‍👦🤗 🕷🦇🕯🌙🔮🎃

🍁 Planning a trip to Canada or expecting the guests? 🇨🇦 Don't forget to pack an essential item - Travel Insurance for Visitors to Canada! Here's why you should consider it:

✈️ Why You Need Travel Insurance for Visitors to Canada ✈️

🌍 Peace of Mind: Life is unpredictable, and travel mishaps can happen to anyone. With travel insurance, you can explore Canada with confidence, knowing you're protected against unexpected emergencies.

📄 Visa Application Requirement: When applying for a Canadian visitor visa, having travel insurance can enhance your application's credibility. It shows that you're prepared for any unexpected situations during your stay.

🏥 Medical Coverage: Healthcare costs can be substantial in Canada. Travel insurance provides coverage for medical emergencies, ensuring you're not burdened with hefty medical bills in case of illness or injury.

🔐 Security for Super Visa Applicants: If you're applying for a Super Visa to visit family in Canada, having travel insurance is mandatory. It's a key requirement to ensure your loved ones are well taken care of during your stay.

💰 Cost-Effective: Compared to potential expenses without insurance, the cost of a travel insurance policy is a small investment for peace of mind and financial security.

So, whether you're planning a vacation, visiting family, or applying for a Super Visa, make sure to include Travel Insurance for Visitors to Canada on your checklist. Explore the beauty of Canada with confidence, knowing you're protected every step of the way! 🏞️✈️🍁

🇨🇦 Traveling to Canada or Canadian Resident Planning to Travel Abroad? Don't Leave Without Insurance! 🛡️

🚀 Hey, fellow adventurers! Whether you're planning a trip to Canada or you're a Canadian resident planning to travel outside of the country, ensure your peace of mind with our comprehensive insurance for Canadian travellers and visitors to Canada! 🌎

🏥 Canada's healthcare system doesn't cover tourists, and unexpected events can happen anywhere. Having travel insurance is a must! From medical emergencies to trip cancellations, we've got you covered. ✈️

🎁 Enjoy your journey worry-free with our tailored insurance plans at affordable rates. Explore with confidence, and let us take care of the rest! 🌟

🇨🇦🛫

Happy ! 🇨🇦 I am proud to be Canadian! 🥳🎉

🔒 Protecting Yourself Financially: Insurance Solutions for Your Peace of Mind 🔒

Today, many people have questions about how to safeguard their financial future, and insurance products offer valuable options. Depending on your needs and budget, there's a wide range of products available to suit your individual situation.

Let's explore some key insurance solutions:

🏢 Term Insurance vs. Mortgage Insurance: Choosing the Right Fit 🏡

When it comes to protecting your loved ones' financial well-being, both term insurance and mortgage insurance can play crucial roles. Term insurance provides coverage for a specific period, while mortgage insurance focuses on protecting your mortgage balance. Determining which option works better for you depends on your unique circumstances and priorities.

💼 Permanent Life Insurance with Savings and Investment 💰

Permanent life insurance offers lifelong coverage and includes a savings component that can grow over time. This type of policy allows you to accumulate cash value, providing you with potential financial benefits while protecting your loved ones.

💔 Critical Illness and Disability Insurance: Preserving Financial Stability 💪
Critical illness and disability insurance are designed to provide financial support if you're diagnosed with a critical illness or become disabled and unable to work. These policies can help cover medical expenses, mortgage payments, and daily living costs, ensuring your financial stability during challenging times.

👦👧 Children's Insurance: Coverage for Sports Activities and Beyond ⚽
Children's insurance policies provide protection for your little ones, including coverage for sports activities and potential injuries. It's an essential step in securing their well-being and ensuring that they can continue to explore their passions with peace of mind.

🏥 Health Insurance for Businesses: A Vital Investment for Entrepreneurs 💼
As a business owner, protecting your most valuable asset—your employees—is crucial. Health insurance for businesses ensures that your team has access to quality healthcare, fostering their well-being and productivity while demonstrating your commitment to their welfare.

✈️ Travel Insurance: Peace of Mind for Canadians and Visitors to Canada 🌍
Whether you're a Canadian planning a trip abroad or a visitor exploring Canada's beauty, travel insurance is a must. It safeguards you against unexpected medical expenses, trip cancellations, and other unforeseen circumstances, ensuring your journeys remain stress-free.

For any questions or inquiries about these insurance products, feel free to contact me at:
📞 587-894-0675
✉️ [email protected]
🌐 www.mc-insurance.ca
I'm here to assist you in making informed decisions and protecting what matters most. Together, let's build a secure financial future! 💼🛡️

🌟 Secure Your Family's Future with Life Insurance – Plan Ahead for Peace of Mind! 🌿

Life is full of uncertainties, but you can take steps to protect your loved ones and ensure their financial well-being, even when you're no longer around. That's where Life Insurance comes in – a valuable investment that offers peace of mind and security.

👪 Your family is your most precious asset, and their financial stability is of utmost importance. Life Insurance provides a safety net for your loved ones, offering financial support in the event of your untimely passing. It ensures that they can maintain their quality of life, cover daily expenses, pay off debts, fund education, and achieve long-term goals.

💡 Life Insurance is a proactive way to plan for the future. By considering your family's needs, you can determine the appropriate coverage amount and duration. Whether you're a parent, a spouse, or a breadwinner, having the right Life Insurance policy protects your family from financial hardships during a challenging time.

✅ There are different types of Life Insurance policies to suit various needs. Term Life Insurance offers coverage for a specific period, providing financial protection during crucial years when your family may be most vulnerable. Whole Life Insurance, on the other hand, offers lifelong coverage, combining protection with a savings component.

🌿 Life Insurance is not just for married individuals or parents; it can be valuable for anyone with dependents or financial responsibilities. Even if you're single, Life Insurance ensures that your loved ones are protected from the burden of your outstanding debts or funeral expenses.

💼 As a Life Insurance Advisor, I can help you navigate the options and find a policy that aligns with your unique circumstances and financial goals. I'll assist you in assessing your needs, understanding the available coverage options, and making an informed decision.

💪 Plan ahead, take control of your family's future, and provide them with the financial security they deserve. Contact me today to discuss Life Insurance and how it can safeguard your loved ones when they need it most. Invest in their tomorrow with Life Insurance today! 👨‍👩‍👧‍👦💼🌿

☎️ 587-894-0675
📧[email protected]
www.mc-insurance.ca

Heading to Canada? Don't Forget Your Visitor to Canada Insurance!

🇨🇦Planning a trip to Canada? Make sure you have Visitor to Canada insurance!

🇨🇦Canada's healthcare system doesn't cover visitors, so it's essential to have insurance for unexpected medical expenses.

🇨🇦Protect yourself and your loved ones with coverage for medical emergencies, hospitalization, prescription drugs, and more.

🇨🇦Visitor to Canada insurance can also cover emergency dental care, medical evacuation, and repatriation of remains.

🇨🇦Compare insurance options to find a policy that fits your needs and budget.

🇨🇦Be prepared to provide personal information, travel details, and answer health-related questions when purchasing.

🇨🇦Peace of mind during your visit to Canada is just a few clicks away with Visitor to Canada insurance!

Hey, friends! 🐰🌸 Wishing you all a very !

Happy April Fools' Day! While today is all about jokes and pranks, it's also a good time to think about protecting yourself and your loved ones in case of unexpected events. Whether you're traveling or just going about your daily life, accidents and emergencies can happen at any time.

That's why it's important to consider getting life or travel insurance. These types of insurance can help provide financial protection and peace of mind in case of illness, injury, or other unforeseen circumstances. With the right insurance policy, you can have the reassurance that you and your family will be taken care of if the worst happens.

So this April Fools' Day, take a moment to think about your future and consider investing in life or travel insurance. It's no joke – being prepared can make all the difference.

Are your Parents or Grandparents planning a trip to Canada to visit you? Or maybe you're just excited to explore the beautiful places outside Canada. Whatever your reason for traveling, don't forget to get travel insurance!
Travel insurance is an essential part of any trip, and it's especially important when traveling to Canada. Anyone planning to visit family members in Canada with a super visa must obtain valid travel insurance.
And even if you're a Canadian Resident traveling outside the country, you should consider getting travel insurance to protect yourself from unexpected accidents or illnesses.
If you're interested in getting travel insurance for your upcoming trip, don't hesitate to contact me. I can help you find the right coverage to meet your needs and give you peace of mind while you travel.



☎️ 587-894-0675
📧[email protected]
www.mc-insurance.ca

Attention, Parents! I wanted to share some great news with you. Did you know the Alberta government has an Affordable Action Plan that can provide financial support for families with children under 18?

Under this program, eligible households with incomes under $180,000 can receive up to $600 per child. This can help families who need assistance covering expenses, especially during tough times.

To see if you qualify and to learn more about the program, check out this website: https://www.alberta.ca/affordability-payments.aspx

There are also other programs and resources available on the site that might be useful for you and your family.

I hope this information is helpful to you.

Reminder: Today is the last day to make your RRSP contribution for 2022! If you're not sure why you need an RRSP account, or not familiar with this investment option and its advantages and disadvantages, feel free to ask me any questions. I can also help explain other investment options and how you can protect your investments through insurance. As a professional in life, health, and travel insurance, I work with various companies and can find the protection you need. Don't hesitate to reach out to me

✅Life insurance: Term and Permanent ( with investment)
✅Health insurance: Critical Illness and Disability
✅Travel insurance: Visitors to Canada or Canadian travelers abroad
✅Group or individual health benefits

☎️ 587-894-0675
📧[email protected]
www.mc-insurance.ca

Interesting fact: According to LIMRA, 80% of Canadians believe that Canadian life insurance rates are too expensive. However, there are plenty of options to choose from that can suit a wide range of budgets.
Below, you will find current rates split by gender (male and female) and age (35 and 45). You may be wondering why whole life insurance is so much more expensive. The first reason is that it is permanent insurance, for which the premium payments are guaranteed. The second reason is that this insurance includes saving and investment components, and your beneficiary will receive not only coverage but also the investment component
In addition, you can see the premium for coverage of $50,000 for Whole Life Insurance. It's important to note that this coverage will grow in value over time. It's also worth mentioning that the minimum coverage available in the market for Whole Life insurance starts at $10,000.

Check your quote: www.mc-insurance.ca/instant-quote/

It is always important to consider purchasing travel insurance before embarking on a trip, especially if you are traveling internationally. This article highlights the importance of having travel insurance (Visitor to Canada insurance) , as the man in the story was hospitalized in Calgary and incurred significant medical expenses that would have been covered by his travel insurance policy. It is not always a good idea to rely only on your credit card insurance, there could be so many exclusions as well.
Additionally, travel insurance can provide coverage for other unexpected events such as trip cancellations, lost or stolen luggage, and travel delays. It is always better to be prepared for the unexpected and have peace of mind while traveling.

https://globalnews.ca/news/9385616/uk-man-hospitalized-calgary-travel-insurance/?fbclid=IwAR0VO2rDXDNokNQntNq9mNCTBQFr9W5S-PM6j7BkrmKTCwdkaJ9hJzs9D2U

U.K. family on the hook for tens of thousands of dollars after dad gets sick in Calgary | Globalnews.ca A U.K. family hit with a huge hospital bill after their father fell ill on a trip to Calgary is warning others about the dangers of not having travel medical insurance.

Dear friends, I wish you and your loved ones delightful holidays and a happy new year! I am looking forward to continuing to support you in 2023😊
🎄🎅🥰

Let’s take a moment to remember the sacrifice of the Canadian veterans!

I have many questions from the clients, what is better to choose: Mortgage Insurance or Term Insurance? 🤔
It depends on what you are looking for. Check both options before you pick one. Both insurances have some pros and cons. Below you can check some of them:
🏘Mortgage insurance coverage decreases with your mortgage amount, while Term insurance coverage stays the same as you choose at the beginning
🏘The beneficiary for Mortgage insurance is a Bank; for Term insurance, you can name your own beneficiaries
🏘Mortgage insurance coverage is tied to your Mortgage provider and is not transferable. If you decide to change mortgage provider, your policy will be cancelled. For Term insurance coverage and premium will be known from the beginning and remain the same throughout the term of your selected policy

You can protect your Mortgage with Term Life insurance and receive additional benefits and flexibility.
Check these options today
☎587-894-0675
📩 [email protected]
💻 https://calendly.com/maria-mcinsurance
More info: www.mc-insurance.ca

Happy Halloween Everyone! I hope you enjoy this spooky holiday filled with all sorts of tricks and treats. Do not be scared for your future, protect it by taking care of your family financially!

Making travel plans? ✈️

Having travel insurance can give you a piece of mind, but before getting one, you might want to check if you already have coverage.

Travel insurance may be a part of your:
👉Group benefits package
👉Credit card insurance
And other

Even if you already have coverage, it is worthwhile to check the amount and what is covered.

Trip Cancellation & Trip Interruption is often not included in the standard travel insurance options.

If you need help guiding you through, I will be happy to assist so you have a piece of mind.

Are you considering what type of insurance is right for you?
During the consultation I will provide you with a detailed overview and comparison of term vs. mortgage insurance and help you make the best choice based on your circumstances and needs.
🏠 Book a consultation with me - https://calendly.com/maria-mcinsurance
☎️ 587-894-0675
I will provide more information about:
✅Life insurance: Term and Permanent
✅Health insurance: Critical Illness and Disability
✅Travel insurance: Visitors to Canada or Canadian travelers abroad
✅Group or individual health benefits

No more COVID-19 restrictions for visitors to Canada and travellers starting on October 1, 2022 🇨🇦

👉no proof of vaccination or testing
👉no ArriveCAN
👉no mask at the airport

https://travel.gc.ca/travel-covid/travel-restrictions/covid-vaccinated-travellers-entering-canada