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I'm Karim Punjwani, Life and Health Insurance Advisor and independent broker having 17+ years of industry experience.. Insurance is a complex subject. I explain the concept in a simplified way, do a Needs Analysis and offer customized solutions based on your current portfolio, future goals, needs and budget. Professional services and competitive premiums are offered as I'm contracted with all major Life Insurance companies in Canada. I cater to the following Insurance needs: Super Visa, Life/Mortgage, Health(Critical Illness, Accident, Sickness), Health and Dental Benefits, Health Spending Account(for Incorporated Businesses), Travel, No-Medical Life and Critical Illness Insurance(for clients having existing Medical Conditions), RESP, RRSP and TFSA. I also specialise in Children's Whole Life Plans with Increasing Insurance and Cash Value for Emergency and Retirement needs, fully paid up in 5, 10 or 20 years.  I can offer my services in Hindi, Marathi, Gujarati, and English languages.

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