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We have access to all the top insurance companies

IRON TRUST FINANCIAL

Independent Life, Health & Group insurance Broker located in Markham, ON and servicing the provinces of Ontario and British Columbia

A B O U T   U S

Why Iron Trust Financial?

Personal Approach

We strive to understand each client's specific needs without using a cookie-cutter approach

Expert Advice

Years of experience have made us experts in helping clients find the right solutions

Unbiased Approach

As a fully independent broker, we are not affiliated with any specific insurance company

Your Privacy Matters

All consultations are always private and confidential. We do not sell or share your information, ever.

Easy to Reach

Whatever your needs are, we are always one phone call away, even after business hours

Fully Digitalized

We are equipped to fully serve you virtually and conduct all business paperless

Our Services

As independent advisors, we work for you, not the insurance companies

final expenses

Final Expense Insurance


Don't leave your loved ones with bills behind. Get coverage for life.

Disability Insurance


Protect your most valuable asset; your ability to earn an income.

No Medical Insurance


Hard to insure? We can help you find a policy that best fits your needs.

Critical Illness Insurance


Protect yourself against the financial impact that a serious illness can bring.

Education Savings


We can help you maximize and growth the savings to your children's education.


Travel Insurance


Travelling abroad? Visitor to Canada? Super Visa? We can help you find the right coverage.

Retirement Savings


We can help you build a nest egg that so that you can retire with confidence.

mortgage insurance

Mortgage Life Insurance


Provide a safety net to your loved ones if the unthinkable were to happen.

What people are saying

"Pedro has been a valued financial advisor. I have known him to be an honest and reliable person who guides and provide information with significant knowledge. I appreciate the time he has spent answering my questions. Best wishes for success!"

Martha

“Pedro has been doing this for a long time and is dedicated to his clients. Something I wasn't experiencing from other financial advisors. I recommend him to as many people as I can because of this. He is one of the few advisors that will explain everything and give you options without feeling pressured or having regret. Definitely a great person to deal with!”

David

"Pedro was very helpful and diligent in our process of getting our first life insurance. He answered all our questions and guide us to get the best option. I am sure this won’t be the last time we work together. "

Adriana

Articles

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Entendiendo la razón de muchas reseñas malas.
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Smoking and life insurance premiums
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Sometimes convenience is not worth it
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Exploring some of the myths of no medical life insurance
By Pedro Diaz 19 Jul, 2022
Comparing the two. Which one is better?
By Pedro Diaz 21 Jul, 2020
Exploring the differences between these two types of coverage
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Contact Us

We’d love to hear from you. If you have any questions, feel free to write us a message and we'll get back to you as soon as we can!

Contact Us Home Page

Don't be a stranger!

15 Allstate Pkwy, Suite 683

Markham, ON L3R 5B4

647-372-2900

info@irontrust.ca

FAQS

Got questions? We’ve got answers.


How we work


  • What insurance companies do you work for?

    As fully independent brokers, we are not affiliated directly with any particular insurance company.

     

    We work with over 20 different insurance companies to find you the best product and solution for your specific situation.


  • How much do you charge for your services?

    We never have to pay us for any consultation.


    As brokers, we are compensated by the financial compnaies that you do business with.

  • Where is your main office?

    Our office is located at:


    15 Allstate Parkway

    Suite 683

    Markham, ON

  • Are you licensed to sell insurance?

    Yes, our advisors are licensed to sell insurance in the provinces of Ontario and British Columbia.

  • Is it cheaper to buy directly from the insurance company?

    Whether you buy insurance directly from the insurance company or a broker, the price is going to be the same.


    By law, companies must offer the same premiums for the same products accross all channels.


    However, when you buy directly from an insurance company, you are missing the opportunity to compare the product that you are buying to other products in the market.

  • How can I consult with an advisor?

    We proud ourselves by being extremely flexible when we conduct business with clients.


    Want to stay at the confort of your home and have us visit? We can do that*


    Prefer to have an online meeting? No problem. We can connect via video call.


    Want to visit us at our office? We welcome you**



    *subject to location accessibility

    **by appointment only


Life Insurance


  • What types of Life Insurance do you offer?

    We work and offer all types of Life Insurance available in the market.


    Term, Whole Life, Universal Life & No-medical or Simplified insurance are amongst the most common types of insurance that we work with.

  • What is required to apply for life insurance?

    Life insurance requirements to apply for coverage vary from company to company.

    Depending on the company, age & amount of coverage, the application process can range from a simple application containing a medical questionnaire to full medical exams and credit checks.

  • How does life insurance work?

    Life Insurance provides a financial sefety net by providing a lump sum payment to the beneficiary of the insured person if the insured person were to die.


    This payment can be used to offset the financial loss from the insured dying.


    The major financial loss that family experience when a loved one passes away is the loss of income into the household.

  • Are certain types of deaths excluded from life insurance?

    Life Insurance covered the insured person in the event of death. Period. It does not matter what the cuase of death was.


    However, all insurance companies have a 2-year suicide exclusion from when the policy first became active or from its last reinstatement.

  • Do life insurance companies try to avoid paying claims?

    The truth is that Life Insurance is a black or white contract.


    Many people often believe (based on experience from other types of insurance) that companies will find a way to not pay".


    However, when it comes to making a Life Insurance claim, the only proof required by the insurance company is that the person did in fact die. It does not matter what they died from (except for the 2-year suicide clause).


    So, when making a claim there is only a binary outcome; the person is dead or alive. Unless they are a zombie or a vampire, it's hard to disproof that a person is not dead.

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