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The insurance listed on this page were chosen because they offer the best insurance service in Ajax. 

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Insurance brokers in ajax insurance

Harrietta Mayers

About Me

  • Insurance Agent in Ajax since 2001
  • Experienced Licensed Professional Staff
  • Focus on Life Insurance and Retirement Needs
  • Free Insurance Assessment
  • Serving Auto Insurance needs throughout Durham and GTA
  • Community Involved
  • Local Food Bank Volunteer
  • Ambassador Travel Qualifier

Products and Services Offered

Auto Insurance,  Business Insurance,  Home & Property Insurance,  Life Insurance,  Living Benefits,  Mutual Funds,  Vehicle Loans

What you need to know about insurance?

For Your information

This information was provided to help you learn more about providers fields of expertise.

Who are insurance Agency?

Who is insurance agent (or agent or captive agent)? An insurance agent is a person who works for an insurance company and sells the insurance products of this company. An important aspect of working with an agent is that he / she sells insurance products of one company only, and thus is typically not able and not interested to compare prices and features of other products on the market. Agents should not be confused with brokers (or insurance brokers) who are typically able to compare products from several insurance providers.

Typically, an insurance agent receives a salary paid by an insurance company, and he/she can also receive a sales-based commission or bonus. Often, an agent will be interested in selling additional products from the same company (e.g. sell you a small term life insurance policy in the beginning and later offer you disability insurance and / or critical illness protection). Some companies, such as State Farm work exclusively with agents and, therefore, their products will not appear among the products offered by brokers.

There is an additional category of agents called independent agents who may work with different companies similarly to insurance brokers.

    Insurance service overview

    Life Insurance
    The greatest benefits of life insurance include the ability to cover your funeral expenses and provide for those you leave behind. This is especially important if you have a family that is dependent on your salary to pay the bills. Industry experts suggest a life insurance policy that covers 10 times your yearly income. But that’s a number not everyone can afford.

    When estimating the amount of life insurance coverage you need, remember to factor in not only funeral expenses, but also daily living expenses. These may include mortgage payments, outstanding loans, credit card debt, taxes, child care, and future college costs. 

    According to a 2018 study by LIMRA, formerly known as the Life Insurance and Market Research Associations, one in three families might not be able to meet their day-to-day expenses within a month of the primary breadwinner’s death. 

    The two basic types of life insurance are traditional whole life and term life. Simply explained, whole life can be used as an income tool as well as an insurance instrument. As long as you continue to pay the monthly premiums, whole life covers you until you die. Term life, on the other hand, is a policy that covers you for a set amount of time. There are other considerable differences between the two types of insurance, so you may want to seek the advice of a financial expert before you decide which is best for you. Factors to consider include your age, occupation, and number of dependent children.

    Health Insurance
    Statistically, you and your family are just one serious illness away from bankruptcy, according to a study published by the American Journal of Public Health in 2019. In the Journal’s survey of more than 900 Americans who filed for personal bankruptcy between 2013 and 2016, more than two in three bankruptcies were caused by medical problems—from bills, income loss due to illness or both.

    Those numbers alone should incentivize you to obtain health insurance or review and possibly increase your current coverage. But with rising co-payments, increased deductibles, and dropped coverages, health insurance has become a luxury fewer and fewer people can afford. When you consider that the national average cost for one day in the hospital was $2,517 in 2018, even a minimal policy is better than none.

    The best and least expensive option may be participating in your employer’s insurance program, but many smaller businesses do not offer this benefit. The average annual premium cost to the employee in an employer-sponsored health care program was $7,188 for single coverage and $20,576 for a family plan in 2019, according to research published by the Kaiser Family Foundation.

    If you don’t have health insurance through an employer, check with trade organizations or associations about possible group health coverage. If that’s not an option, you’ll need to buy private health insurance.

    Long-Term Disability Coverage
    Long-term disability insurance is the one type of insurance most of us think we will never need. Yet, according to statistics from the Social Security Administration, three in 10 workers entering the workforce will become disabled and will be unable to work before they reach the age of retirement.

    Often, even those workers who have great health insurance, a nice nest egg, and a good life insurance policy don’t prepare for the day when they might not be able to work for weeks, months or ever again. While health insurance pays for hospitalization and medical bills, you’re still left with those daily expenses that your paycheck generally covers. 

    Many employers offer both short- and long-term disability insurance as part of their benefits package. This would be the best option for securing affordable disability coverage. If your employer doesn’t offer long-term coverage, here are some things to consider before purchasing insurance on your own.

    A policy that guarantees income replacement is optimal. More often policies pay out 50% to 60% of your income. The cost of disability insurance is based on many factors, including age, lifestyle, and health. The average cost in 2018 was $2,700 per year. But before you buy, read the fine print. Many plans require a three-month waiting period before coverage kicks in, provide a maximum of three years’ worth of coverage, and have some significant policy exclusions.

    Auto Insurance

    On average, there are six million car accidents in the U.S. every year, according to the National Safety Council. An estimated 38,800 people died in car crashes in 2019 alone. The number one cause of death for American’s between the ages of five and 34 was auto accidents, according to the Fatality Analysis Reporting System (FARS) in 2009 data (the last available data). Over two million drivers and passengers received treatment in emergency rooms in 2009 and the costs of those accidents, including deaths and disabling injuries, were around $70 billion.

    While not all states require drivers to have auto insurance, most do have regulations regarding financial responsibility in the event of an accident. States that do require insurance conduct periodic random checks of drivers for proof of insurance. If you do not have coverage, the fines can vary by state and can range from the suspension of your license, to points on your driving record, to fines from $500 to $1,000.

    If you drive without auto insurance and have an accident, fines will probably be the least of your financial burden. If you, a passenger, or the other driver is injured in the accident, auto insurance will cover the expenses and help guard you against any litigation that might result from the accident. Auto insurance also protects your vehicle against theft, vandalism or a natural disaster, such as a hurricane or other weather related incidents.

    Again, as with all insurance, your individual circumstances will determine the cost of auto insurance. To make sure you get the right insurance for you, compare several rate quotes and the coverage provided, and check periodically to see if you qualify for lower rates based on your age, driving record or the area where you live.

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