ACHIEVING COVERAGE WITH PERSONALIZED AND INCLUSIVE UNDERWRITING STRATEGIES
Inclusive Underwriting Solutions Tailored to Your Needs
Discover how our underwriting expertise can provide you with the protection and coverage you need for your unique circumstances.
THE IMPORTANCE OF EXPERT UNDERWRITING
Achieving coverage with personalized and inclusive underwriting strategies
At Customplan Financial Services Inc., we excel in providing specialized underwriting expertise tailored to meet the diverse needs of Canadians. Our inclusive approach provides comprehensive coverage, even to most challenging cases, to provide personalized support. Our commitment to excellence guarantees that you receive the coverage you need, no matter your unique circumstances.
personalized and inclusive
Underwriting Expertise
Difficult to Insure Cases
Our expertise extends to cases that are traditionally difficult to insure. We specialize in finding solutions for clients with complex health conditions or unique lifestyles, ensuring they receive the coverage they need despite the challenges.
Life, Critical Illness, and Disability Insurance
We offer specialized underwriting for life insurance, critical illness (CI), and disability insurance (DI). Our comprehensive approach ensures that clients receive tailored coverage options that address their specific health and lifestyle needs.
Work with Advisors
We collaborate closely with financial advisors to provide expert underwriting support. Our team ensures that advisors have the resources and knowledge needed to offer their clients the best possible insurance solutions, enhancing their overall service and client satisfaction.
Clients Declined or Additionally Rated
We have a proven track record of successfully insuring clients who have been PREVIOUSLY declined or additionally rated. Our in-depth knowledge and flexible underwriting practices enable us to find solutions where others cannot.
Customized Lifestyle Assessments
Our personalized assessments consider each client’s unique lifestyle. By taking individual circumstances into account, we provide tailored underwriting solutions that ensure clients receive the best possible coverage for their specific situation.
Types of Insurance We Offer
Specialized Solutions
Health History
Your health history impacts life insurance rates. Chronic conditions, past surgeries, and family medical history are key factors. Insurers assess these details to determine risk levels, influencing coverage options and premiums.
Lifestyle Choices
Lifestyle choices like smoking, heavy alcohol use, lack of regular exercise, and poor diet significantly impact life insurance rates. Engaging in healthy habits can lead to lower premiums. Conversely, high-risk behaviours may increase insurance costs or limit available coverage options. We provide personalized insurance solutions tailored to your unique lifestyle, ensuring you receive the best possible coverage despite any high-risk habits.