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About us

At Babin Insurance Group, we are committed to offering our clients a wide range of world-class coverage plans. Because we understand that coverage needs to be customized, we go to great lengths to collaborate with our clients – both groups and individuals – to meet all their needs. Along the way, we will keep you apprised of what we are doing and guide you toward the best options available to you. Our mission is total satisfaction with every experience: you should feel confident that Babin Insurance Group is on your side at all times.

Our specialty, first and foremost, is life insurance and critical illness insurance. We work with several major carriers to ensure the highest quality of options. In addition to life insurance and critical illness insurance, we also offer travel insurance, long-term care insurance, disability insurance, health insurance, group insurance, RRSPs, and RESPs.

Stop accepting second-rate policies! We are here to show you the way, pointing you toward life insurance that is perfectly suitable for you and your loved ones. Let our experts help you from beginning to end! We are true masters at breaking the insurance buying process down into its most basic components, affording you the benefit of knowledge and of all our many years’ experience.

Our Products; Your Life!

There is something for everyone in our exhaustive selection of insurance policy options. Babin Insurance Group is here to work on your behalf and give you the peace of mind that comes with long-term financial security.

Our Products

At Babin Insurance Group(B.I.G.), we offer a variety of different insurance options and plans to help ensure a financially secure future for you and your loved ones.

Life Insurance

There is an old saying that there are only two certainties in life: death and taxes. Taxes are perhaps not quite so certain, at least for someone who makes little or no taxable income or manages their finances to avoid them completely. Death, on the other hand, is unavoidable. Everyone is going to die someday, and your death carries real implications for your estate and your surviving family.

Life insurance is critical to ensuring that your family is cared for should you pass. Depending on the form that you choose and the insurer you go with, premium options will vary widely.

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Life insurance is available in two basic forms: term life insurance and permanent life insurance. Term life is offered at a fixed, minimal rate for a set period of time. With this, you get maximum coverage in exchange for minimal investment, ideal if you are working with a low budget or only need short-term protection. Permanent life is available as universal life or whole life, and it lasts throughout the duration of your life. On top of that, there is a cash value to a permanent life insurance policy (if applies), meaning it can be considered an investment product.

A crucial risk management and estate planning tool, life insurance can mitigate the impact of death on those around you. While life insurance cannot replace the deceased, it can ensure survivors’ financially security, continued business operations, and a legacy, creating and preserving wealth to be transferred to the next generation. With the wide selection of life insurance policies, riders, and benefits available to you, there is a solution to any and all situations. Temporary or permanent, increasing or decreasing, strict or flexible: you can choose the investment vehicle that works best for you.

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Work with someone at Babin Insurance Group who can advise you as to just what would meet your needs best!

Critical Illness

Critical illnesses hit hard, and they hit quickly. Suffering such catastrophic event as cancer, heart attack, kidney failure or stroke, to name a few, could sideline you from work while also generating new expenses not covered by conventional disability insurance.

While nothing could ever replace the love you have to give, you want to be sure that your family is financially stable while you take the time to focus on your recovery. With a critical illness insurance policy, you can get anywhere from $25,000 to $2 million unrestricted funds to be used at your discretion, following a 30-day waiting period of your critical illness or critical illness diagnosis. Even if you make a full recovery, you are still entitled to collect on the policy, and should you pass for some reason other than those covered by your critical illness policy, your premium payments will be refunded to your beneficiary (if that add-on rider applies).

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In the case of your passing for reasons other than the ones outlined in your critical illness policy, the premiums you paid will be refunded to your beneficiary(This is an add on rider that can be purchased with the policy). It is also important to know that you are entitled to collect the benefit if you make a full recovery.

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Group Insurance

With regards to any respectable employee benefit program, the importance of a group health insurance policy cannot be overstated. Enticing to prospective employees, an effective group insurance policy is a must for any serious business owner. The most prevalent groups are employer/employee ones. Large companies especially often find that it is necessary to offer current and prospective employees competitive group coverage in order to attract and retain high-quality support. Without an attractive employment package that includes salary, vacation days, a pension plan, and group insurance benefits, many job seekers will not even consider a prospective employer.

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A group policy is a simple, convenient, and cost-effective way to build a base for risk management. With one policy, all members of the group (all qualifying employees) plus their dependents are eligible for an array of benefits, including life insurance, accidental death and dismemberment, short-term disability and long-term disability plans, critical illness coverage, health care and dental care.

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Travel Insurance

Sometimes during a trip, expenses that are difficult to foresee pop up out of nowhere, and when they do, there is no other choice: they must be covered. These expenses could include a trip cancellation, a medical emergency, a trip interruption, baggage loss, a delay, an accidental death – any number of things. To avoid the high costs that these expenses entail, travel insurance plans are the right choice!

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Disability Insurance

According to a 2012 report by Statistics Canada, about 3.8 million people aged 15 and older reported that their daily activities were limited because of a disability. This prevalence only increases with age. Should you become disabled and unable to earn an income, disability insurance will make up for a significant portion of your salary, keeping your family financialy secure as you focus on recovering and reclaiming your life. It is possible that you already qualify for disability coverage through a group plan, but you always have the option to purchase insurance of your own, choosing a policy that meets your specific needs and gives you the comfort that you want.

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A disability insurance policy can also be used for business purposes such as insuring against financial loss in the event of the disability of a key employee or employer.

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Long Term Care

As people are living longer lives and receiving higher-quality healthcare, more people are facing medical conditions, both physical and cognitive, that render them unable to care for themselves alone. Should you find yourself unable to perform day-to-day tasks such as bathing, dressing, and eating, you may want to consider long-term care insurance, a type of insurance which allows you to accrue a monthly, income-style benefit to pay for such care.

Long-term care facilities are often costing between $3,000 and $5,000 per month for full-time care. With a provincial health care plan, a substantial gap can occur, a gap that falls to the patient to pay. Many provincial subsidies are means-based, so higher income individuals may be left to cover most of their care costs by themselves. Depleting the resources of almost any patient, private nursing care is sustainable in that situation for just a few years. Long-term care can relieve this burden, freeing you to get the support that you need.

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The cost of a long-term care policy is determined by such factors as your age, the coverage period, and the waiting period. Find out which policy would be best for you today!

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RRSPs & RESPs

An RRSP, which stands for “Registered Retirement Savings Plan,” is an effective tool for meeting your long-term financial goals through tax-deferred compound interest on retirement savings. The contributions you make into your RRSP are tax-deductible, and they can be set up simply as an automatic monthly contribution.

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An RESP, which stands for “Registered Education Savings Plan,” is useful when you want to start thinking of your young child’s future. Make contributions into this post-secondary education savings account to defer taxes and accrue interest throughout the contribution years and until the time that you withdraw the funds to pay education costs. An RESP is particularly useful for low-income students who are being taxed at a lower rate.

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Babin Insurance Group

The choices and decisions that we make determine the course of our whole lives. To optimize our security, our happiness, and our health, we need to be careful about those choices and decisions. At Babin Insurance Group, we get that. We are on your side, helping you to find the ideal coverage for you and your loved ones, working tirelessly to protect you from unforeseen events and to set you up for a brighter future.

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The whole team at Babin Insurance Group is prepared and qualified to educate you and guide you as you navigate the convoluted world of life insurance. There is no such thing as “one size fits all” in insurance: something out there is your ideal fit. Together, we will figure out just what that is.

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