{"id":2314,"date":"2018-05-10T15:01:47","date_gmt":"2018-05-10T15:01:47","guid":{"rendered":"https:\/\/gfseguin-13730204208.futehost.ca\/assurance-hypothecaire\/"},"modified":"2022-07-05T18:59:14","modified_gmt":"2022-07-05T18:59:14","slug":"mortgage-insurance","status":"publish","type":"page","link":"https:\/\/www.gfseguin.ca\/en\/personal-insurances\/living-benefits-insurance\/mortgage-insurance\/","title":{"rendered":"Mortgage insurance"},"content":{"rendered":"
[vc_row fullwidth=”true”][vc_column][mk_revslider id=”assurance-hypothecaire-en”][\/vc_column][\/vc_row][mk_page_section padding_top=”50″ padding_bottom=”50″ sidebar=”sidebar-1″][vc_column width=”1\/2″][vc_column_text css=”.vc_custom_1582571172462{margin-bottom: 0px !important;}”]\n

Customized coverage for your mortgage loan<\/h2>\n

Because your mortgage is usually your biggest expense<\/strong>, it\u2019s essential to make sure you can make your monthly payments. Take out coverage for this expense to ensure you don\u2019t end up struggling with massive payments if you can no longer earn a paycheque. \u201cImagine a scenario: You fall and hurt yourself during an outdoor activity, preventing you from working and earning part or all of your income. Can you make your monthly payments? For how long?\u201d<\/p>\n

Get your advisor involved to be informed and benefit from advice for your specific needs and situation. You\u2019ll also find out how they can convert your loan insurance to permanent life insurance.<\/strong><\/p>\n[\/vc_column_text][mk_button dimension=”flat” size=”large” url=”\/en\/contact\/” align=”center” margin_bottom=”0″ margin_right=”0″ bg_color=”#0c55a5″ btn_hover_bg=”#fbe108″ btn_hover_txt_color=”#0c55a5″]Discover all of the advantages[\/mk_button][vc_empty_space height=”35px” el_class=”mobileOnly”][\/vc_column][vc_column width=”1\/2″][mk_image src=”https:\/\/www.gfseguin.ca\/wp-content\/uploads\/2018\/06\/gfh-protegez-vos-prets-570xx570.jpg” image_size=”full” align=”center” margin_bottom=”0″][\/vc_column][\/mk_page_section][mk_page_section bg_color=”#0c55a5″ min_height=”0″ padding_top=”15″ padding_bottom=”15″ el_class=”specialDividerText” sidebar=”sidebar-1″][vc_column][vc_column_text css=”.vc_custom_1583432637146{margin-bottom: 0px !important;}”]\n

An offer to your advantage<\/h2>\n[\/vc_column_text][\/vc_column][\/mk_page_section][mk_page_section min_height=”0″ full_width=”true” padding_top=”0″ padding_bottom=”25″ sidebar=”sidebar-1″][vc_column][vc_column_text css=”.vc_custom_1527186200717{margin-bottom: 0px !important;}”]\n
<\/div>\n[\/vc_column_text][\/vc_column][\/mk_page_section][mk_page_section padding_top=”50″ padding_bottom=”50″ el_class=”equalHeight tableauCouleur” sidebar=”sidebar-1″][vc_column][vc_column_text css=”.vc_custom_1583432587703{margin-bottom: 0px !important;}”]\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
<\/th>\nOur product<\/th>\nProducts from financial institutions<\/th>\n<\/tr>\n<\/thead>\n
Control<\/td>\nYOU<\/strong> can consolidate your loans into one insurance contract.<\/td>\nEvery loan requires a different insurance plan.<\/td>\n<\/tr>\n
YOU<\/strong> own your contract and YOU<\/strong> are free to choose your beneficiary.<\/td>\nThe lending institution is both the lender and beneficiary of the contract.<\/td>\n<\/tr>\n
YOUR<\/strong> beneficiary can use the death benefit without restriction.<\/td>\nIn the event of death, the lending institution repays the loan but leaves nothing to your beneficiary.<\/td>\n<\/tr>\n
YOU<\/strong> receive the benefit in the event of a disability* or critical illness* to be spent at your discretion.<\/td>\nIn case of disability or critical illness, the lender receives the amount, which must be used to repay the loan.<\/td>\n<\/tr>\n
Freedom to choose<\/td>\nYOU<\/strong> can decide if your insurance amount is fixed or decreasing.<\/td>\nThe insurance amount decreases with the loan amount by default.<\/td>\n<\/tr>\n
YOU<\/strong> choose the amount of life, disability and critical illness insurance that you want.<\/td>\nThe insurance amount it limited to the balance of the loan or monthly payment.<\/td>\n<\/tr>\n
YOU have the flexibility to refinance or take out a new loan.<\/td>\nThe insurance amount is equal to the loan amount; a new loan requires a new insurance plan.<\/td>\n<\/tr>\n
YOU<\/strong> can convert your insurance plan into permanent life insurance, without answering questions about your health condition.<\/td>\nYou do not have options for conversion; the lender\u2019s insurance does not offer alternate solutions.<\/td>\n<\/tr>\n
Guarantees<\/td>\nYOU<\/strong> pay the same premium for the entire term of the loan, even if interest rates increase.<\/td>\nYour premium may increase with your age. Your disability insurance premium may also vary with interest rates.<\/td>\n<\/tr>\n
YOU<\/strong> remain insured, even if you switch lending institutions.<\/td>\nYour insurance coverage ends if you change lending institution.<\/td>\n<\/tr>\n
YOU<\/strong> are protected in the event of critical illness; the additional coverage applies to 25 critical illnesses.<\/td>\nWhen the lending institution offers protection with additional coverage, there are usually only 3 illnesses covered.<\/td>\n<\/tr>\n
Peace of mind<\/td>\nYOU<\/strong> benefit from the advice of an insurance specialist who takes your full financial situation into consideration.<\/td>\nYou generally receive advice that is limited to the loan insurance and does not take your other financial needs into account.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/vc_column][\/mk_page_section][mk_page_section bg_image=”https:\/\/www.gfseguin.ca\/wp-content\/uploads\/2018\/06\/gfh-assurance-hypothecaire-parallax-1920×850.jpg” bg_position=”center center” bg_repeat=”no-repeat” bg_stretch=”true” enable_3d=”true” padding_top=”0″ padding_bottom=”0″ el_class=”hidden” sidebar=”sidebar-1″][vc_column width=”1\/4″][\/vc_column][vc_column width=”1\/2″ css=”.vc_custom_1527790706399{padding-top: 50px !important;padding-right: 15px !important;padding-bottom: 50px !important;padding-left: 15px !important;background-color: rgba(255,255,255,0.85) !important;*background-color: rgb(255,255,255) !important;}”][vc_column_text css=”.vc_custom_1531506510079{margin-bottom: 0px !important;}”]\n

Assurance compl\u00e9mentaire<\/h2>\n

C’est une bonne assurance compl\u00e9mentaire \u00e0 l’assurance salaire. Int\u00e9ressant pour entrepreneurs qui font de gros pr\u00eats. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.<\/p>\n

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.<\/p>\n[\/vc_column_text][mk_button dimension=”flat” size=”large” url=”\/contact\/” align=”center” margin_bottom=”0″ margin_right=”0″ bg_color=”#0c55a5″ btn_hover_bg=”#fbe108″ btn_hover_txt_color=”#0c55a5″]Contactez-moi[\/mk_button][\/vc_column][vc_column width=”1\/4″][\/vc_column][\/mk_page_section][vc_row][vc_column][vc_raw_js]JTNDc2NyaXB0JTIwdHlwZSUzRCUyMnRleHQlMkZqYXZhc2NyaXB0JTIyJTNFJTBBalF1ZXJ5JTI4JTIyLm1rLWJ1dHRvbiU1QmhyZWYlMjQlM0QlMjdjb250YWN0JTVDJTJGJTI3JTVEJTIyJTI5Lm9uJTI4JTIyY2xpY2slMjIlMkMlMjBmdW5jdGlvbiUyOCUyOSU3QiUwQSUwOV9fZ2FUcmFja2VyJTI4JTI3c2VuZCUyNyUyQyUyN2V2ZW50JTI3JTJDJTI3Qm91dG9uQ29udGFjdCUyNyUyQyUyN0NsaWNrJTI3JTJDJTI3QXNzdXJhbmNlJTIwSHlwb3RoZWNhaXJlJTI3JTI5JTNCJTBBJTdEJTI5JTBBJTNDJTJGc2NyaXB0JTNF[\/vc_raw_js][\/vc_column][\/vc_row][vc_row fullwidth=”true” el_class=”borderline”][vc_column][vc_empty_space][\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"

[vc_row fullwidth=”true”][vc_column][mk_revslider id=”assurance-hypothecaire-en”][\/vc_column][\/vc_row][mk_page_section padding_top=”50″ padding_bottom=”50″ sidebar=”sidebar-1″][vc_column width=”1\/2″][vc_column_text css=”.vc_custom_1582571172462{margin-bottom: 0px !important;}”] Customized coverage for your mortgage loan Because your mortgage is usually your biggest expense, it\u2019s essential to make sure you can make your monthly payments. Take out coverage for this expense to ensure you don\u2019t end up struggling with massive payments if you can no […]<\/p>\n","protected":false},"author":9,"featured_media":0,"parent":2317,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/www.gfseguin.ca\/en\/wp-json\/wp\/v2\/pages\/2314"}],"collection":[{"href":"https:\/\/www.gfseguin.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.gfseguin.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.gfseguin.ca\/en\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/www.gfseguin.ca\/en\/wp-json\/wp\/v2\/comments?post=2314"}],"version-history":[{"count":0,"href":"https:\/\/www.gfseguin.ca\/en\/wp-json\/wp\/v2\/pages\/2314\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.gfseguin.ca\/en\/wp-json\/wp\/v2\/pages\/2317"}],"wp:attachment":[{"href":"https:\/\/www.gfseguin.ca\/en\/wp-json\/wp\/v2\/media?parent=2314"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}