01
Term life
A known death benefit for a set number of years.
Life insurance · Ontario
Coverage you can still read later.
Term life, permanent life, critical illness, and disability. One advisor for the household.
- Advisor
- Savita Kalia
- Where
- Ontario households
- Price
- Set by the insurer
Coverage
Four products. One review.
02
Permanent life
Protection built to stay in force for life.
03
Critical illness
A benefit if a covered condition is diagnosed.
04
Disability
Income if an illness or injury stops the work.
Why Everward
The contract stays readable.
For Ontario households arranging coverage, or reviewing a policy already in force. Savita Kalia is the advisor.
01
Four coverages, one review
Term, permanent, critical illness, and disability, including contracts already in force.
02
The policy stays on file
A later conversation starts from the issued contract, not a blank form.
03
A gap is not a request
A missing product is discussed when the household asks, or inside a review they wanted.
A review
Start with what is already in force.
01
Who depends on the income
The review starts with the household and the policies already in force.
02
The insurer decides
The insurer underwrites the application and sets the premium.
03
The contract stays
Product, amount, and anniversary remain on file for the next review.
Questions
Before you sit down.
What is Everward?
A life insurance agency for households in Ontario. The advisor is Savita Kalia.
Who sets the price?
The insurer. Everward does not approve coverage or publish a flat fee.
How is this different from an insurer’s website?
One review can cover four products, including contracts already in force. The policy is still the insurer’s contract.
Is a missing product a reason to sell it?
No. It comes up when you ask, or inside a review you already wanted.
How long does a new policy take?
The insurer underwrites it. Everward does not publish a turnaround time.
Next step
Ask Savita Kalia for a review.
It starts with who depends on the income. If new coverage is next, the application goes to the insurer.
See how a review works