To all real estate brokers and agents:

We would like to introduce Link Insurance & Financial Services Inc. as an alternative option to your clients mortgage insurance needs.

Please review this article from CBC Marketplace, entitled "Mortgage insurance: Not always a sure thing". It clearly explains the difference between mortgage insurance through the bank vs. a licensed independent insurance advisor.

By promoting and offering this coverage for both life and critical illness coverage (on a stand alone basis) it will enhance your ongoing relationship with your clients. Please see the following chart showing you the benefits and enhancements that the individual coverage will offer.

Benefits	Bank Insurance	Life Insurance
Who sells the policy?	Sold by lending institution. (unlicensed representative)	Sold by licensed experts.
Who owns the policy?	The bank owns the policy	Insured owns the policy.
Who is the beneficiary?	The lender is always the beneficiary. Upon death, the money is used exclusively to pay off the balance of the mortgage.	Client can name a beneficiary who will have the option of repaying the mortgage or using the funds for a different need.
What happens as you pay off the mortgage?	Fixed premiums for declining coverage.	Fixed premiums for level coverage (pay for what you get).
What if you incur financial difficulties?	Coverage will automatically terminate if the mortgage is in arrears.	Policy will not lapse if mortgage is in arrears.
Will coverage continue for the surviving spouse?	Coverage is paid on the first death, not both; coverage can not be continued for survivor	s may own individual policies; upon the first death, coverage on surviving spouse continues.
What about disability protection?	Disability protection is rarely available.	Disability protection is available.
What happens if you sell?	Coverage will terminate upon cancellation of the mortgage.	Coverage is fully portable, and can continue as long as the client wishes.
Who has control of policy?	The client has no control over the policy.	The client controls all the policy options.
Is coverage transferable?	Cancelled after mortgage is paid off or transferred	Continues regardless of which lending institution you deal with.
Are there limits?	The face amount of the policy cannot exceed the exact amount of the mortgage, maximum of $250,000.	Client may purchase any amount of coverage.
Who services the policy?	Serviced by the lender.	Serviced by personal licensed insurance expert.

Not only enhances and improves your relationship with your clients but builds credibility and loyalty

As a professional real estate agent, it is extremely important to have "value added services" available to your clients. This in turn will boost their confidence levels and improve your ongoing relationships with them.

In addition it increases the compensation in your pocket. Please click here for the referral renumeration agreement (pdf) outlining the compensation.

There is no work on your side... simply provide Link with a referral and you will be compensated on every sale that they make!

We are confident that your clients will be pleased with the cost-savings they will receive.

Please refer to the Link Insurance website at www.linkins.ca to view any rates that you wish to compare!