Your life and health insurance

Protect your income, your health, and the people who depend on you.

Insurance5 offers a focused range of insurance solutions to protect your future — Life, Disability and Critical Illness coverage, explained in plain language and tailored to your needs.

At Insurance5, we offer a range of insurance solutions to protect your future. Our Life Insurance plans provide financial security and support for estate planning, while our Critical Illness Insurance offers vital funds for major health challenges. Additionally, our Disability Insurance ensures you maintain income and stability during unexpected health issues — giving you peace of mind and financial resilience. Trust us to safeguard what matters most to you.

Our services

Three kinds of protection. One clear plan.

Every policy we recommend does one job: keep your family financially steady no matter what happens to your health or income.

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Life Insurance

Coverage that can be tailored to your needs with options like Term, Whole Life, and Universal Life Insurance.

Financial security for loved ones

Term Life Insurance provides financial support by covering lost income, mortgage protection, debts, and funeral expenses for your family.

Estate planning

Life Insurance can be a useful tool in estate planning to ensure that your assets are passed on to your heirs or beneficiaries as intended.

Tax benefits

Depending on the policy and the jurisdiction, life insurance policies may offer tax advantages, such as tax-free death benefits.

Flexible coverage

Life Insurance policies can be tailored to your needs with options like Term, Whole Life, and Universal Life Insurance.

Cash value growth

Certain life insurance policies, like Whole Life and Universal Life, have a cash value component that can grow over time and be accessed.

Loan collateral

Some types of life insurance policies, like Whole Life Insurance, can be used as collateral for loans or financial transactions.

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Disability Insurance

Income protection that keeps your household running if illness or injury stops you from working.

Income replacement

Disability Insurance offers income replacement if you can't work due to disability, helping cover essential expenses.

Financial security

It provides financial security by replacing lost income during disability, helping you avoid depleting savings or retirement funds.

Protection for your loved ones

Disability Insurance ensures that you can continue to provide for your dependents even if you are unable to work.

Inflation protection

Some policies offer options for adjusting benefits to keep pace with inflation, ensuring your coverage remains adequate over time.

Easy claims process

Reputable insurance providers offer a straightforward claims process, making it easier for you to access benefits when needed.

Financial resilience

Maintain income and stability during unexpected health issues, giving you peace of mind while you focus on recovery.

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Critical Illness Insurance

A financial safety net for life's most serious health events.

Financial protection

Critical Illness Insurance offers a lump-sum payment for diagnosed critical illnesses to cover medical and financial needs.

Use the funds your way

The lump-sum benefit is yours to spend as needed — treatment costs, travel for care, mortgage payments, or time off work to recover.

Vital funds when it matters

Vital financial support for major health challenges, so a serious diagnosis doesn't become a financial crisis for your family.

Your advisor

Karim Punjwani

Business and Personal Insurance Advisor

With 16+ years of industry experience, it has always been my endeavor to provide insurance solutions to clients based on their needs and budget.

For businesses and professionals

Tax-efficient solutions including Buy-Sell agreements, Key Person coverage, and Estate Planning. The Health Spending Account from BenefitsMyWay allows you to use your company's money to pay for personal medical expenses — a 100% tax-free benefit for you and your employees, and 100% tax-deductible for your company.

Book a conversation
Get quote

Find out what protection costs — it's probably less than you think.

Tell us a little about yourself and which coverage you're interested in. We'll come back with clear options and honest advice — no pressure, no obligation.

Prefer to talk it through? Reach us directly through the contact details below.

We reply within one business day. Your details are never shared.

Contacts

Talk to a real person.

Questions about a policy, a claim, or where to start? We're happy to help.

Phone(403) 615-5818 Emailkarimpunjwani@outlook.com
Address208-4774 Westwinds Dr NE, Suite 4
Calgary, AB T3J 0L7