Buying Life Insurance Online: Convenience Is Only Part of the Decision
Pedro Diaz RamosOnline life insurance is convenient, but insurer selection and accurate medical answers can affect approval and pricing. Learn why advice still matters.
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Pedro Diaz RamosLatest Articles
Should You Name a Minor Child as the Beneficiary of Your Life Insurance?
Learn what happens when a minor child is named as a life insurance beneficiary in Canada and why trustee and estate planning decisions matte
Revocable vs. Irrevocable Life Insurance Beneficiaries: What’s the Difference?
Learn the difference between revocable and irrevocable life insurance beneficiaries in Canada and how each designation affects control over your policy.
What Does a Life Insurance Claim Denial Actually Look Like?
See what a life insurance claim denial actually looks like, why application accuracy matters, and how material misrepresentation can void a policy.
The First Two Years of a Life Insurance Policy: What the Contestability Period Really Means
Learn what the two-year life insurance contestability period means in Canada, how claims are reviewed, and why reinstatement restarts important policy periods.
Is Term Life Insurance Good? Why It May Be the Right Fit for Most Canadians
Learn why term life insurance can be a practical choice for many Canadians, how it works, what renewal means, and how it compares with permanent insurance.
Group RESPs: The Costly Catch Behind the Sales Pitch
Group RESPs can carry large upfront commissions, strict rules and costly exit consequences. See how they compare with a regular RESP.
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PEDRO DIAZ RAMOS
Independent Life, Health & Group Insurance Broker.
Serving clients across Ontario, Alberta, and British Columbia.
Mutual Fund Representative.
📞(647) 372-2900
📍Markham, ON
Insurance
Life
Disability
Critical Illness
Travel
Health
Group Benefits
Fully-insured
ASO
Health Spending Account
Personal Spending Account
Employee Assistance Programs
Investments
RRSP/RRIF
TFSA
RESP (Education Plan)
RDSP (Disability Plan)
LIRA
Employee Pension
Insurance products are available in Ontario, British Columbia, and Alberta only. Provided through Qualified Financial Services Inc., IDC Worldsource, and HUB Financial. Mutual Funds are distributed through Wealthforce Inc.
15 Allstate Pkwy, Suite 683, Markham, ON L3R 5B4