My name is Sandra Durocher, and I'm a financial advisor and business owner located in Toronto, Canada. I love helping people understand insurance, and I'm committed to helping you build a financial plan that will help meet your needs for you and your loved ones so that you can feel confident about your finances.
In 2015, I became interested in helping people understand how money works and obtained my license for Life and Health Insurance (LLQP) in Ontario. In 2017, I started my own independent insurance business named WealthShield Financial to offer you comprehensive financial solutions from any of the following companies: Manulife, Sun Life, Empire Life, Canada Life, Assumption, and Canada Protection Plan.
In 2015, I became interested in helping people understand how money works and obtained my license for Life and Health Insurance (LLQP) in Ontario. In 2017, I started my own independent insurance business named WealthShield Financial to offer you comprehensive financial solutions from any of the following companies: Manulife, Sun Life, Empire Life, Canada Life, Assumption, and Canada Protection Plan.
Services
No Medical Life Insurance
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This type of insurance is for people who are hard to insure due to health issues. This is a type of whole life insurance policy that does not require you to undergo a medical exam, or allow an insurance company to review your medical and prescription records. No Medical Life Insurance always has a waiting period.
Term Life Insurance
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Term life insurance guarantees payment of a stated death benefit if the covered person dies during a specified time period (known as the "term"). When this term expires, you can either renew it for another term, convert the policy to permanent insurance coverage, or simply allow the term life insurance policy to expire.
Permanent Life Insurance
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Permanent life insurance policies never expire, unlike term life insurance, and combines a death benefit with a savings component. Unlike Term Life Insurance, which promises a lump sum payment as the death benefit for a limited period of time, Permanent Life Insurance lasts for the rest of your life (except if premiums are not paid and it causes the policy to lapse).
Final Expenses
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Some basic information is required to accurately generate your request. Your information is kept private and is NOT sold, or shared with any third parties, marketing lists or vendors. You cannot be denied coverage under the final expense plan as long as you are between the ages of 18-79 with a permanent Canadian address.
Critical Illness Insurance
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Critical illness insurance is a "living benefit" that helps you pay the costs associated with life-altering illnesses. If you become sick with an illness covered by your policy and survive the waiting period, you will receive a lump-sum cash payment. And the best part is that you decide how to spend the money (unlike reimbursed health insurance benefits).
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