MM Insurance

Welcome to MM Insurance, your trusted brokerage for all your Life, Employee Benefits (Group), Travel, Disability, and Critical Illness needs. With over 25 years of experience in the insurance industry, our owner, Michael Mlotek, has been dedicated to providing outstanding service to all our clients. As a member of IFB - Independent Financial Brokers, Michael stays informed of all new legislation to ensure that our clients receive the best advice and insurance products.

At MM Insurance, we believe that your personal information deserves protection. We collect personal information for quoting purposes, and rest assured that this information will never be shared with any third party for any reason. Our website is used exclusively by MM Insurance and its advisors. We strictly maintain the privacy of emails, phone numbers, and any other shared information, keeping it confidential and not sharing it with any third party.

Life Insurance

Life insurance is a crucial aspect of financial planning, providing a safety net for your loved ones upon your passing. Life insurance can be divided into three types: Term, Permanent, and No Medical Insurance.

*Term Insurance*: Term insurance is designed for temporary needs, such as mortgages/debt or young families. If you pass away, term insurance ensures that your family can maintain their current lifestyle. Term insurance offers the most affordable premiums at the outset, with common terms being 10, 20, or 30 years.

*Permanent Insurance*: Permanent insurance offers lifetime coverage for your family upon your passing. It comes in three types: Term to 100, Whole Life, and Universal Life. You can choose to pay premiums for 10 or 20 years and still enjoy lifetime coverage. Additionally, Whole and Universal Life policies include savings components or cash values.

*No Medical Insurance*: No medical insurance might be the solution if you prefer not to undergo medical examinations. This option allows for quicker and easier application processes, ensuring that you and your loved ones are covered.

Group Benefits (Employee Benefits)

At MM Insurance, we specialize in Group Benefits for both for-profit and non-profit organizations. Our group insurance packages can be customized to suit the specific needs of each business and its employees, providing coverage for health, dental, disability, and critical illness. We work closely with our clients to design a comprehensive and affordable program that supports employee well-being and retention.

Travel Insurance

MM Insurance offers both Out of Country Travel Insurance and Insurance for Visitors to Canada. Our travel insurance policies provide coverage for unexpected medical emergencies and other unforeseen incidents while traveling abroad. We work with top-rated insurance companies to ensure that our clients receive the best coverage and service.

Health & Disability Insurance

At MM Insurance, we offer Health & Disability Insurance packages that can be tailored to suit your specific needs. These policies provide coverage for medical expenses, disability, and critical illness, ensuring that you and your loved ones are protected in the event of an unforeseen medical event or disability.

MM Insurance is your one-stop solution for all your insurance needs, dedicated to providing personalized service and exceptional products. Contact us today to learn more about how we can help you protect what matters most.