How We Help Our Clients

Zavitz Insurance Inc. specializes in protecting your financial well-being in the event of accident, sickness or death.

Together with your team of professional advisors, we will develop well-rounded advice with leading-edge insurance solutions.

 

Our Products

Life

Life Insurance is a financial tool whose main purpose is to replace income that is lost when a wage earner dies. It is an efficient way to protect your survivors and dependents against financial hardship and to ensure they are not burdened with significant debt when you die.

Available life insurance products include:

  • Term 10 & 20 Life Insurance
  • Term 100
  • Universal Life Insurance
  • Participating Whole Life Insurance
  • Mortgage Insurance

View our Full Website for detailed product descriptions.

Disability

Disability Insurance provides you with financial security by replacing your personal income, typically on a monthly basis, in the event of an accident or sickness. Benefits are paid out tax free at time of claim, if premiums are paid personally with after-tax dollars.

  • Guaranteed non-cancellable
  • Customizable
  • Varying disability definitions
  • Partial and residual disability
  • Subsequent disability coverage
Critical

Critical illness insurance pays a lump sum benefit, should you be diagnosed with one of the covered conditions of the contract and survive the waiting period, and the cash flow can be used at your own discretion.

Long-Term

Long Term Care insurance is meant to protect your assets during retirement, and pays a monthly benefit if you require care within your home or in a facility. While a certain degree of public support is available, government programs are not comprehensive and services can become costly.

Medical

Health Insurance

Health Insurance can cover medical expenses not covered through your provincial health plan. Typically your core plan will include extended health benefits.

Emergency Medical Insurance

Protect you in the event of an unforeseen accident or illness, which requires medical attention outside of Ontario.

Employee

Traditional Benefit Plan

Traditional benefit plans are very common and can cover drugs, extended health benefits, life insurance, accidental death and dismemberment, short and long term disability, out of country and dental.

Health Spending Account

A Health Spending Account is similar to a bank account, and is often used as a supplement or alternative to a traditional benefit plan. The accounts are tax-free, and designed to provide a way to provide for the health care of the account holder and his/her dependent family members.

Combination Plan

Integration of a traditional plan with a Health Spending Account, which can reduce the premium of the traditional plan while still providing coverage to employees.

Financial

A Financial Plan identifies your financial needs and goals and provides you with a comprehensive analysis on how to achieve them. Specific areas of interest can also be addressed including:

  • Retirement planning
  • Budget structuring
  • Debt elimination
  • RESP planning
  • Risk analysis
  • Estate planning
CTA

The Clinical Teachers Association (CTA) is out of province/country travel medical insurance plan for eligible clinical faculty including physicians who have one or more benefits through the University of Western Ontario-CTA benefits plan.

UWO

Zavitz Insurance has negotiated a special offer with RBC for Disability Insurance for clinical faculty affiliated with the University of Western Ontario.

Through this offer you may qualify for a $3000/mo individual professional series contract without medical evidence and a 25% discount.

Our Unique Process
Innovation

We provide leading-edge insurance solutions. We understand that product knowledge and education are cornerstones of our business. Keeping current with the best insurance solutions is a top priority so that we can provide innovative recommendations that are tailored to your unique situation.

Collaboration

We understand that collaboration is the key to successful long-term relationships. By working together with your team of professional advisors such as your lawyer, accountant and investment advisor we are able to see your overall financial  picture and make sure that you are receiving consistent, well-rounded advice.

Customization

As insurance brokers, we have access to all the major insurance carriers. We shop the marketplace to make sure you have the best policy and price we can find. Some of our carriers include Great West Life, RBC, Canada Life, Empire Life, Manulife and RWAM… just to name a few!

Experience

With over 30 years of experience working with business owners and other professionals, employer/employee groups and medical and dental professionals we provide service that is second to none.

Physicians

As a physician, your needs and financial goals are unique. After over 30 years of working with physicians, we understand those needs.


We develop customized solutions for physicians that may include:

  • Life Insurance
  • Disability Insurance
  • Critical Illness Insurance
  • Medical & Travel Insurance
  • Health Spending Account
  • Long Term Care Insurance
  • Financial Planning

View our Full Website for detailed solution descriptions.

Dentists

Dentists and dental professionals have unique needs and goals. You have invested a great deal of time and money building your practice and it is important that you protect it and your employees as well as your family and your assets.

After over 30 years of working with dental professionals, we understand your needs.

We develop customized solutions for dentists that may include:

  • Life Insurance
  • Disability Insurance
  • Critical Illness Insurance
  • Medical & Travel Insurance
  • Business Overhead Insurance
  • Employee Benefit Plans
  • Long Term Care Insurance
  • Financial Planning

View our Full Website for detailed solution descriptions.

Medical Students

The Canadian Federation of Medical Students has endorsed a disability insurance program for 1st to 4th year medical students through RBC Insurance designed specifically for their needs. It is a career plan, as it provides top-notch protection not only during medical school, but also throughout residency and into full-time practice.

Why do medical students need disability insurance?

Canadian Federation of Medical Students (CFMS) plan information:

View our Full Website for detailed CFMS plan information and answers to frequently asked questions.

Dental Students

As a graduating dentist you are eligible for discounted premiums on a completely guaranteed Disability Insurance Policy issued to you while you are young and healthy.

Why do dental students need disability insurance?

Canadian Dental Services Plan Inc (CDSPI) plan information:

View our Full Website for detailed CDSPI plan information and answers to frequently asked questions.

Residents

You have invested a lot of time and money in your education. Protecting that investment is a crucial step at this point in your life.

Disability insurance will provide you with a monthly payment in the event that an accident or sickness prohibits your ability to work and earn an income. Since you will soon be a self-employed professional, you are on your own to protect this financial risk.

How does Zavitz Insurance help Residents?

What about PAIRO?

PAIRO is the Professional Association for Interns and Residents of Ontario that provides health benefits and includes a mandatory disability plan.

* There are substantial differences between the PAIRO contract and an individual one. Careful attention should be paid to disability contracts since they dictate how you get paid, when you get paid, and for how long.

View our Full Website for more detailed disability solution descriptions and available discounts for Residents.

Hygienists

You have invested a lot of time and money in your education. Protecting that investment is a crucial step at this point in your life.

Disability insurance will provide you with a monthly payment in the event that an accident or sickness prohibits your ability to work and earn an income. Since you will soon be a self-employed professional, you are on your own to protect this financial risk.

How does Zavitz Insurance help Hygienists?

View our Full Website for detailed disability solution descriptions available for Hygienists through Blue Cross.

Business Owners

As a business owner, you have distinct needs. Owning your own business requires you to assume great risk and we want to help you find security wherever possible. You have invested a great deal of time and money into your business and it is important to protect your employees, your business, your family and your assets.


We develop customized solutions for physicians that may include:

  • Life Insurance
  • Disability Insurance
  • Business Overhead Insurance
  • Key Person Insurance
  • Critical Illness Insurance
  • Employee Benefit Plans
  • Medical & Travel Insurance
  • Long Term Care Insurance
  • Financial Planning
  • Succession Planning

View our Full Website for detailed solution descriptions.