# venera.life > venera.life ## Pages - [Free Quote](https://venera.life/free-quote/): Free Quote from Venera.life Get Your FREE Quote Now ! Life Insurance Living Benefits Travel Insurance Savings & Investments Don’t have an Advisor? Connect with one today. Get Insurance Advice for free Reliable. Personable. Fast. Get fast, and free insurance advice with Us. We will help you find the right insurance coverage for You! Facing any problems? Call Us. We are available 24/7. 437 886 4040 - [presentation 1](https://venera.life/presentation-1/): Presentation Life Insurance – Myths and Facts Date: 29.06.2023 | Time: 7:00PM | Venue: Online (ZOOM) AGENDA Myths and facts about Life insurance Types of Life Insurance In which cases you need life insurance How we calculate insurance needs Real-time illustration on how much life insurance costs REGISTRATION FORM Our address 8 Rean Drive, Toronto, ON M2K3B9 Mail us info@venera.life Call Us Tel.: 437 886 4040 Toll Free: +1 844 778 2121 FAX: 437 837 9737 - [Global Privacy Commitment](https://venera.life/global-privacy-commitment/): GPC Global Privacy Commitment Privacy GuidelinesWe are committed to protecting your personal information and respecting your privacy. We’ll always be clear about how and when we collect, use and disclose your personal information. Our Privacy Guidelines explain how we do this and let you know about your rights when it comes to your personal information.Personal information is information that either on its own or combined with other information allows you to be identified. Examples include your name and address, as well as more sensitive information such as your health and financial records. On this page, we’ll refer to ourselves – […] - [Terms and Conditions](https://venera.life/terms-and-conditions/): RRSP Secure Your Future, Build Wealth with RRSP Registered Retirement Savings Plans were created in 1957 as part of the Canadian Income Tax Act. They are registered with the Canadian government and overseen by the Canada Revenue Agency (CRA), which sets rules governing annual contribution limits, contribution timing, and what assets are allowed. Contributions to an RRSP are made on a pre-tax basis and grow tax-free until they are withdrawn, at which point they are taxed at the marginal rate. RRSPs have two main tax advantages. First, contributors may deduct contributions against their income. Second, the growth of RRSP investments […] - [Segregated Funds](https://venera.life/segregated-funds/): Segregated Funds Protect and Grow: Segregated Funds for Your Financial Goals The legal term for a segregated fund is an Individual Variable Insurance Contract or IVIC. This term is rarely used and segregated funds are most often simply called segregated or seg funds. Segregated funds are created and sold by life insurance companies. Insurers keep their segregated funds separate from other company assets, which is why the funds are called segregated. People buy segregated funds to benefit from the guarantees they offer for return of capital. This makes segregated funds less risky than mutual funds. Segregated funds are also highly […] - [TFSA](https://venera.life/tfsa/): TFSA Tax-Free Savings, Amplify Your Financial Freedom A TFSA is a savings account that can hold cash as well as various investments. Your TFSA contributions come from your “after-tax” dollars (money you have left after your taxes are paid). This means you won’t have to pay tax when you take money out of your TFSA. In addition, any TFSA investments you have, grow tax-free within the account. This means there’s no tax on the TFSA growth even when you withdraw funds. You can use money from your TFSA at any time, for any purpose. For example, you can use it […] - [RDSP](https://venera.life/rdsp/): RDSP XXXXXXXX A registered disability savings plan (RDSP) is a savings plan intended to help parents and others save for the long term financial security of a person who is eligible for the disability tax credit (DTC). Contributions to an RDSP are not tax deductible and can be made until the end of the year in which the beneficiary turns 59. Contributions that are withdrawn are not included as income to the beneficiary when paid out of an RDSP. However, the Canada disability savings grant, the Canada disability savings bond, investment income earned in the plan, and the proceeds from […] - [RESP](https://venera.life/resp/): RESP Invest in Their Dreams, Empower Their Future with RESP An RESP is a powerful way to save for your child’s or grandchild’s post-secondary education. It offers tax-deferred growth and partial matching from the federal government. An RESP helps you save for your kid’s post-secondary education. It can hold various investments. Parents, grandparents, relatives and friends can contribute money any time into an RESP – up to a lifetime total of $50,000 per child.  Any qualifying investments you have within an RESP grow tax-free until they’re withdrawn. When money is withdrawn, the educational assistance payment is taxable in the hands […] - [RRSP](https://venera.life/rrsp/): RRSP Secure Your Future, Build Wealth with RRSP Registered Retirement Savings Plans were created in 1957 as part of the Canadian Income Tax Act. They are registered with the Canadian government and overseen by the Canada Revenue Agency (CRA), which sets rules governing annual contribution limits, contribution timing, and what assets are allowed. Contributions to an RRSP are made on a pre-tax basis and grow tax-free until they are withdrawn, at which point they are taxed at the marginal rate. RRSPs have two main tax advantages. First, contributors may deduct contributions against their income. Second, the growth of RRSP investments […] - [Super Visa](https://venera.life/super-visa/): Super Visa Travel Worry-Free, Explore Boundlessly The Super Visa is an option for parents and grandparents of Canadian citizens and permanent residents to visit their family in Canada. These individuals may be eligible to apply for the Parent and Grandparent Super Visa to visit their family in Canada for up to 2 years without the need to renew their status. One of the requirements for you to be eligible for a super visa is to have proof of private medical insurance from a Canadian insurance company. This medical insurance needs to: Be paid in full, or in instalments with a […] - [Students](https://venera.life/students/): Students Insure Your Student Adventure! The Student plan offers those who are studying away from home a smart and economical way to help protect themselves against the cost of emergency medical and basic healthcare expenses and more.   Plans are available for full-time: International students studying in Canada Canadian students studying outside their home province or outside of Canada Family coverage is also available for immediate family members residing with the student Life Insurance Living Benefits Travel Insurance Savings & Investments Don’t have an Advisor? Connect with one today. Get Insurance Advice for free Reliable. Personable. Fast. Get fast, and […] - [Visitors To Canada](https://venera.life/visitors-to-canada/): Visitors To Canada Secure Your Stay, Embrace Precious Moments Do you have family or friends coming to stay? Do they have health insurance to help protect them while they’re in Canada? Are you visiting Canada and need health insurance while you are away from home? When visiting Canada, your government health care plans might not travel with you. We know that health care costs in Canada can be expensive if you’re not covered under a Canadian government health insurance plan. Be sure to carry travel insurance to safeguard your finances and enjoy a worry-free trip. Life Insurance Living Benefits Travel […] - [Travelling Canadians](https://venera.life/travelling-canadians/): Travelling Canadians Explore with Confidence, Insure Your Journey Travel insurance is important to help protect you, your family from costs that can occur due to an unforeseen medical emergency during a trip or due to unexpected trip cancellations and interruptions. Without it, travellers may be left to pay significant out of pocket expenses. Your government health insurance plan may only cover a fraction of healthcare expenses incurred outside Canada, and may only provide limited coverage. Without travel insurance, a medical emergency or trip interruption due to an emergency could be disruptive and leave you facing large unexpected expenses. Life Insurance […] - [Health & Dental Insurance](https://venera.life/health-dental-insurance/): Health & Dental Insurance Embrace life with confidence Extended health and dental insurance is a type of insurance policy that covers a wide range of health care expenses that are not covered by the government health care plan, such as prescription drugs, vision care, dental care, paramedical services, and more. These policies provide additional coverage beyond what is offered by basic health insurance plans. Extended health and dental insurance policies are typically offered by employers as part of a benefits package or can be purchased by individuals on their own. The policies vary in terms of coverage and cost, and […] - [Disability Insurance](https://venera.life/disability-insurance/): Disability Insurance Ensuring Financial Stability Through Life’s Unexpected Turns Disability insurance can help protect you and your family from an unexpected illness or accident that leaves you unable to work and earn an income.Generally, disability insurance replaces between 60% and 85% of your regular income, up to a maximum amount, for a specified period of time. Many employers offer disability insurance. However, you can get your own disability insurance plan through a life and health insurance agent. If you’re self-employed, you can also get disability insurance that will cover many of your business expenses if you’re unable to work. The […] - [Critical Illness Insurance](https://venera.life/critical-illness-insurance/): Critical Illness Insurance Protect Your Future Amidst Life’s Challenges Overall, critical illness insurance can provide important financial and emotional support to individuals and families dealing with a serious illness diagnosis. It is important to carefully consider the coverage and benefits of different policies before choosing the one that is right for your needs. Critical illness insurance provides a lump-sum payment to the policyholder in the event that they are diagnosed with a covered critical illness. Some of the advantages of critical illness insurance include: Financial Security: Critical illness insurance can provide financial security to policyholders and their families in the […] - [Mortgage protection insurance](https://venera.life/mortgage-protection-insurance/): Mortgage protection insurance Secure Your Family’s Future – Tomorrow is Never Guaranteed. Have you bought or are you planning to buy a new home? Are you renewing your mortgage? Did you know that life insurance could save you thousands, give you more flexibility and provide better coverage than mortgage insurance? Don’t just cover the balance on your mortgage with traditional mortgage protection. Here are the benefits of protecting your mortgage with life insurance rather than mortgage insurance: You decide who gets the death benefit by choosing a beneficiary You can leave your beneficiaries with the flexibility to use the payout […] - [Permanent Life Insurance](https://venera.life/permanent-life-insurance/): Permanent Life Insurance Don’t Let Life Catch You Unprepared – Get Life Insurance Today! As long as you continue to make monthly payments, permanent life insurance protects your entire life.  Permanent life insurance, which is different from term life insurance, has a part called the cash value that grows over time and can be used as an investment or a way to save money. There are different kinds of permanent life insurance, such as whole life, universal life, and indexed universal life. Before selecting a permanent life insurance policy, it’s crucial to thoroughly analyze your financial situation and personal needs […] - [Term Life Insurance](https://venera.life/term-life-insurance/): Term Life Insurance Protect Your Loved Ones with Life Insurance -It’s More Affordable Than You Think! Life insurance doesn’t have to be a lifelong commitment. Term life insurance is that kind of life insurance that offers protection for a predetermined term or length of time. The term can be 10, 20, or 30 years or you can customize the term even further and pick a term you need. Your beneficiaries will get the death benefit if you pass away during the policy’s term. On the other hand, the coverage will expire worthless if you live out its duration. For people […] - [Life Insurance in Canada](https://venera.life/life-insurance-in-canada/): Life Insurance in Canada Don’t Let Life Catch You Unprepared – Get Life Insurance Today! Overall, the best life insurance product for an individual depends on their specific needs and financial situation. It is important to consult with a licensed insurance agent to determine the most suitable product. Life insurance is a crucial financial tool that gives you and your loved ones comfort and financial stability in unplanned occurrences like death, severe illness, or inability. So, choosing the right life insurance plan for your needs, goals, and financial situation is essential. In general, there are two main types of life […] - [Life Insurance in Canada test](https://venera.life/life-insurance-in-canada-test/): Health Insurance Get coverage built to protect your home666. Alico home insurance is more than quality coverage for your space. With access to innovative tools, money-saving discounts and a local agent, it’s easy to make sure you’re covering all your bases. Read on to see all that Alico has to offer. Coverage & Policies See all the different ways Alico can help protect your home. See Policy Discount Learn how you can save on home insurance by browsing discounts. Start Saving Want to make a Claim? Get helpful information about filing a home claim with Alico. Get claims info What […] - [Cookie Policy](https://venera.life/cookie-policy/): About this cookie policy. This Cookie Policy explains what cookies are and how we use them. You should read this policy to understand what cookies are, how we use them, the types of cookies we use i.e, the information we collect using cookies and how that information is used and how to control the cookie preferences. For further information on how we use, store and keep your personal data secure, see our Privacy Policy. You can at any time change or withdraw your consent from the Cookie Declaration on our website. Learn more about who we are, how you can […] - [Protect Your Family with Life Insurance](https://venera.life/): Life Insurance Life Insurance RRSP RRSP Critical IllnessInsurance Critical IllnessInsurance SuperVisa SuperVisa Health & Dental Insurance Health & Dental Insurance RESP   RESP   DisabilityInsurance DisabilityInsurance Mortgage protection Mortgage protection Visitors To Canada Visitors To Canada TFSA TFSA We Work With Leading Insurance Companies of Canada About Our Company Where Protection Meets Affordability We prioritize our clients’ satisfaction. From the initial consultation to ongoing policy management, we are committed to providing prompt, friendly, and personalized customer service. Your peace of mind is our top priority. Protect Your Family with Life Insurance Best Insurance Rates 24/7 Customer Support Personalized Approach Contact […] - [Insurance](https://venera.life/insurance/): Featured services The fields on which we have given our servies. To provide consultancy for preparing of all sorts of corporate law and any other services as the company may think fit and proper. Insurance policies provide protection to your life and based on the differences in policies it also gives you the opportunity to save money as well. Car Insurance Drive down your rates with car insurance discounts and premium + Home Insurance Save up to 10% when you insure your property and autos with our company. + Health Insurance Stay protected from 10 critical illnesses for 10 years […] - [FAQs](https://venera.life/faqs/): FAQ You can learn more from our asked questions Can I access my money before the maturity date? Yes, you can withdraw from a segregated fund before the maturity date, however your guarantees will be affected. They will be proportionately reduced by any withdrawals or fees applicable to the withdrawal. Can you use an RESP for an apprenticeship? Yes, you can use an RESP for an apprenticeship. The list of eligible programs also includes apprenticeships in skilled trades such as electrical work, welding, plumbing and more. What happens to an RESP if your child doesn’t go to school? Here are […] - [About Us](https://venera.life/about-us/): About us We Will Protect Your Family and Provide Peace of Mind Our Values Our Mission Our Vision Confidentiality Excellence in Customer Service Respect for people Speed in servicing Truthfulness Help young families with insurance solutions that will provide peace of mind, security and stability Be a most customer-oriented insurance company that will set new standards in excellence, professionalism and integrity Welcome to Venera.life, your trusted guide in protecting what matters most to you. We understand that life is full of unexpected twists and turns, which is why we’re here to provide you with the peace of mind that comes […] - [Contact](https://venera.life/contact/): Contact Feel free to contact Contat US Our address 115 Mcmahon Drive, Toronto, ON M2K0E3 Mail us info@venera.life Call Us Tel.: 437 886 4040 | Toll Free: +1 888 498 2030 | FAX: 437 837 9737 ## Optional - [Agent (MCP protocol)](websites-agents.hostinger.com/venera.life/mcp) [comment]: # (Generated by Hostinger Tools Plugin)