You and your family deserve "peace of mind." Protect is a "relationship based" firm whose team of insurance specialists and professionals provide personalized, common sense planning and "concierge level service" to our clients.

Protect Insurance clients will be guaranteed the highest level of care, expertise, and professionalism from a team that includes former dentists, MBA's, Certified Financial Planners, and a Certified Accountant. This is in addition to a team of client care specialists that includes our own underwriting administrator and former nurse, as well as a former concierge from one of Toronto's most prestigious hotels.

At Protect, we want to surpass your expectations with regards to how you perceive insurance planning.

A Completely Different Insurance Experience

We consider your Strategic Risk Management Portfolio to be the cornerstone of your financial planning program. This means that we expect to be an integral part of your financial planning team now... and for many years to come. We believe that our clients deserve the best products, service, and expertise.

Our primary objective is to be there for you and your family, when you need us most!

1. We understand your unique insurance needs
   • At Protect, we understand how busy your life can be. One of our primary goals is to ensure you have the most comprehensive and personalized insurance program... and having a team to assist you with every phase of the process. This includes everything from annual reviews to our comprehensive "one phone call" claims assistance program.
   • As specialists and professionals we intricately understand how you run and manage your business and your life. We understand implicitly:
     • Family income needs
     • How your company, business, or practice is structured
     • Your tax situation
     • How you save and invest
     • Your retirement goals and expectations
     • How best to work with your other professional advisors
     • What can happen to all of the above in the event of death or disability
2. We Listen, Learn, and Personalize
   • One of our primary goals is to listen to you. Only then can we design an insurance program that properly protects you, your family, and your company, business, or practice in the event of an unexpected event.
3. Refer yourself to a specialist
   • Instead of going to a "general practitioner" who attempts to be an expert in all areas of insurance, Protect clients have their insurance needs "diagnosed and planned" by a team of insurance specialists.
   • Our insurance team of specialists and professionals include:
     • Disability and life insurance specialists
     • Critical illness and long term care specialists
     • Tax and estate planning experts
     • Policy and contract analysis experts
     • Claim specialists
   • A full time client care team dedicated to providing "concierge level service" including:
     • Underwriting
     • General client service
     • Administration and support
     • Claims
4. Our commitment to provide you with the best insurance protection at the best cost
   • Independent insurance proposals from the largest providers of life, disability, critical illness, long term care, and employee benefits in Canada. This includes Manulife, Great West Life, Canada Life, Sun Life, Standard Life, RBC, Desjardins, Industrial Alliance, and others.
   • Life insurance planning and quotations via "LifeGuide®" which bimonthly reflects the lowest rates for life insurance.
5. Going a "step above"
   • Insurance for the "difficult to insure." This can be for any number of reasons including health, employment status, sports and hobbies, and even high income/net worth individuals.
   • Fee for service claims assistance for "non-clients" of Protect
   • Partnership/cost-sharing insurance planning and contract assistance.
   • Our Professional Advisor Network
     At Protect, we have strategic alliances and relationships with a number of professional firms whom we consider to be among the best in Ontario. This includes:
     • Accountants
     • Lawyers
     • Financial planners
     • Practice/Business appraisal and sales specialists
     • Leasing specialists
     • Professional practice management experts
     • Bankers

Step 1

1. Your New Client Examination ©
   • The New Client Interview
   • Data collection including all relevant financial, medical, and personal information
   • Insurance history
   • Defining goals and expectations
2. A Personalized Risk Analysis and Diagnosis ©
   • A comprehensive detailed analysis and review of:
     1. Your existing insurance benefits and any changes necessary
     2. Personal and corporate/business/professional needs examination
     3. Partnership/shareholder issues reviewed
     4. New insurance required
     5. A search and comparison of new insurance plans including benefits and cost
3. The Professional Consultation Process
   • Reviews and consultation amongst Protect specialists as well as your professional personal and business advisors. This includes accountants, lawyers, financial planners, and others
4. Income and Wealth Protection Treatment Plan
   • A personalized “insurance treatment plan” is assembled, discussed, and presented to you, applicable family members, and other professional advisors. Every effort is made to address each and every issue of importance to our client’s complete understanding and satisfaction before proceeding.

Step 2

The Protect Underwriting Advantage Process

• Upon deciding to enhance your SRMP, you will enter our Protect Underwriting Advantage Process ©. This will enable you to obtain the fastest, yet the best insurance offer possible from the insurance company (ies). In today’s insurance environment, the insurance underwriting process has become incredibly detailed and stringent. If not handled properly, your application may be declined or modified from a “standard” offer….and can even have negative implications at claim time. At Protect, we are proud to offer the following:
  1. A detailed review of each and every application to ensure it’s proper and thorough completion
  2. Each application is mailed back to you with a summary in order to confirm details of all coverage applied for
  3. We “coach” you through the nurse and medical aspects of underwriting
  4. We have our own “Protect Underwriting Specialist” who is a former nurse! She brings over 15 years of combined experience in nursing and underwriting administration.
  5. At Protect, we have “direct” access to the underwriting administrators at a number of the major insurance companies. This way, we can direct your application through underwriting in the most efficient manner possible.
  6. Finally, you have our “guarantee” that we will always work our hardest to obtain the most favorable underwriting decision possible

Step 3

The Protect Re-Care Program

• At Protect, we look at providing you with your Risk Management Portfolio as the beginning of our long term relationship. As such, we make every attempt to stay in regular communications with our clients and to perform regular reviews as needed by each client.

Step 4

Professional Claims Negotiation and Management Program

• Becoming ill or injured can be the most difficult time in your life. As well, your untimely demise would certainly be devastating for your family. This is why we consider claims management to be the most important service we provide. At Protect, we have assembled the most comprehensive claims program we have seen anywhere. This includes:
  1. One phone call to start the entire process
     • We will provide step by step instructions on how to proceed
     • Provide all necessary forms
     • Review each form for thoroughness, accuracy and completion…including all medically related reports
     • Assist in compiling all relevant financial information
  2. We establish direct and open lines of communication with your claims examiner AND negotiate with them if applicable
  3. We provide ongoing communication with you including the status of your claim
  4. We provide feedback and assistance in understanding the short and long term impact to your company, practice, or business
  5. For certain professions, e.g. dentists, we will even arrange for an appraisal and practice sale if need be

Protect Insurance Agencies Inc.
101 Duncan Mill Rd., Suite 103
Toronto, ON M3B 1Z3
Tel: 416-391-3764
Fax: 416-391-5451
Skype: Please e-mail us for details
info@protect-ins.com

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