Who this is for
- Parents who want to know their family would be looked after
- People with a mortgage or other debts that would fall on someone else
- Business owners whose family or partners depend on the business continuing
- Anyone who has been meaning to sort this out and wants it explained plainly
What helps for the first conversation
- A rough idea of who depends on your income
- Your mortgage balance and any other large debts
- Any existing life insurance, including coverage through work
- Questions you want answered. There is no need to prepare anything else.
What we do
We help you work out how much coverage makes sense for you. We explain the types of life insurance and what they cost. If you choose a policy, we guide you through the application. We explain what a policy does not cover. We cannot promise an application will be approved. That decision belongs to the insurance company.
How it works
- Call or request a callback. Tell us you want to talk about life insurance.
- A conversation, in person or by phone. We go through your situation and explain what fits.
- Your decision. If you want to go ahead, we help with the application and explain what happens next. If not, that is fine.
Why a tax office
Many clients ask us about protecting their family once their taxes are done. We already understand their income and their business, so it is a natural next question. Insurance is not a way to save tax, and we do not present it that way. It is a separate service for people who want a straight answer about protecting the people who depend on them.
Common questions
Do I have to be a tax client to ask about insurance?
No. Insurance is a separate service. You can ask about it on its own.
What happens in the first conversation?
We talk about who depends on you, what you would want covered, and what you are comfortable paying. Then we explain the kinds of coverage that fit and what the next step would be. There is no obligation.
Will you need my medical history?
Not to have the first conversation. If you decide to apply for coverage, the insurer will ask health questions as part of its application. Please do not send medical information through the website form.
Can I speak to someone in Punjabi?
Yes. Our team speaks English and Punjabi. Tell us your preferred language when you call or request a callback.
Insurance is arranged by Parminder Singh Oberoi through Punjab Insurance Agency Inc..
This page describes our service in general terms and is not advice about your individual situation.