Family Mortgage Insurance Advisor

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Claudio Leppe

Your Family's Insurance Advisor

"I'm here to help you make smart financial decisions."

Book a FREE consultation here

With 17 years in the field

Why You Need Personal Mortgage Insurance?

Personal mortgage insurance secures your family, not the bank. Unlike lender-provided insurance, a personal policy gives you full control over your coverage, benefits, and flexibility.

Comparing Bank Insurance to Personal Mortgage Insurance

  • Your family gets the money and can choose how to use it (pay off the mortgage or cover other necessities).

  • Bank insurance insures and pays the bank, not your loved ones.

  • Your insured amount remains fixed, even as the mortgage decreases.

  • Bank insurance, coverage shrinks over time, but payments stay the same.

  • If you switch lenders or refinance, your insurance stays with you.

  • Bank insurance is tied to the mortgage—if you change banks, you lose coverage and may need to reapply (possibly at a higher rate).

Lender-provided mortgage insurance assesses your health at the time of claim, which can lead to denied coverage after death. In contrast, personal life insurance evaluates your health during the application process, ensuring the benefit is contractually guaranteed as long as premiums are paid.

  • Personal life insurance checks when you apply, so pay-outs are guaranteed

  • The bank doesn’t require medical tests upfront. They simply ask a few questions and only verify your insurability at the time of a claim. This means that with lender mortgage insurance, your health is assessed after death—which can lead to denied claims

  • Your premium is locked in for the term of the policy, so you always know what you’re paying.

  • Bank insurance rates can change as you refinance or renew.

  • Add critical illness or disability coverage (bank also offer), ensuring full protection.

  • Bank policies are generic, with no flexibility for individual needs.

  • Expert advice from an insurance professional who ensures you get the best plan.

  • Banks push their own insurance as an upsell, not as a personalized financial solution.

Want to secure your home and loved ones with the right coverage?

Book a FREE consultation today!

What Is the Price for Mortgage Insurance?

The cost of mortgage insurance varies based on factors such as your age, health, coverage amount, and policy type.

For a healthy 40 year old male it could cost around $46/month for $500,000 and $35/month for female. This changes with age and health.

Did you know? Life insurance can cost less than small daily luxuries—like your morning coffee or a quick stop at the gas station—yet it provides lifelong financial security for your loved ones.

Want to find the best coverage within your budget?

Book a FREE consultation today!

Why Choose Me?

  • 17 Years of Experience

    Proven expertise and deep industry knowledge.

  • A Trusted Partner

    More than just a service provider—I treat every client like a family friend.

  • Convenient Online Consultations

    Get assistance from anywhere, anytime. *Please note that I only serve the Ontario region.

  • Ongoing Support and Availability

    I’m here whenever you need me.

  • Hassle-Free Refund Assistance

    I’ll guide you through the Refund Request Form to help you get your money back.

  • Transparent Pricing & Flexible Terms

    No hidden fees, just fair and flexible solutions.

Advantages of Online Consultation

Need expert assistance? Let’s schedule your consultation today!

Book a FREE consultation here

01

Convenience & Accessibility

Get expert advice from the comfort of your home, no need to travel.

02

Saves Time

No waiting in long lines or commuting—just quick and efficient service.

03

Available Anywhere

Connect from any location, whether you're at home, at work, or traveling.

04

Flexible Scheduling

Book appointments at a time that suits you.

05

Privacy & Confidentiality

Discuss your concerns securely from a private space.

06

Cost-Effective

Save money on transportation and other in-person costs.

07

Fast Response

Get answers and solutions quickly without unnecessary delays.

Steps to Get Your Best Coverage

Book
a Free Meeting

Schedule a consultation at your convenience.

Personalized Assessment

We will review your needs and offer the best coverage within your budget.

Guided Assistance

I'll fil out the forms. they just answer questions for me.

That’s it! Your property and family are now protected with the best coverage available.

How Much Does It Cost?

My consultation is FREE!

Why?

Because I receive a commission from the institutions you will be working with. This means you get professional assistance at no extra cost.

Peace of Mind

Claudio made the whole process of getting mortgage insurance so easy and understandable. I now have peace of mind knowing my family is protected if anything happens. Highly recommend his expertise!

Sarah M.

Burlington

Honest & Professional

Claudio is not only professional but also genuinely honest. He took the time to explain all the options without pressure. I felt like he truly cared about helping me make the right decision.

Jason K.

Toronto

Smooth Process

I didn’t even know mortgage insurance could be handled this smoothly. Claudio walked me through everything, answered all my questions, and gave me full confidence in my coverage.

Emily R.

Ottawa–Gatineau

Tailored to My Needs

What I appreciated most was how Claudio customized the insurance plan to match my specific mortgage and financial situation. It wasn’t a one-size-fits-all approach — it was personal.

Lucas N.

Kitchener

Frequently Asked Questions (FAQ)

How much does the consultation cost?

My consultation is completely free! I receive a commission from the institutions you work with, so you don’t pay anything extra.

You can book a free consultation online at a time that suits you. Just send me a message, and I’ll arrange everything.

Book a FREE consultation here

We’ll go through your needs together so you can make an informed decision.

I fill everything out with while you answer some questions

No, my service is transparent. I will always provide clear information about pricing and terms.

Absolutely! I offer convenient online consultations, so you can get expert advice in Ontario.

* Mutual funds products are offered through Investia Financial Services Inc.
Commissions, trailing commissions, management fees and other expenses may be associated with mutual fund investments. Please read the Fund prospectus carefully before investing. Mutual fund investments are not guaranteed, their values change frequently, and their past performance may not be repeated. Mutual funds are sold exclusively by mutual fund representatives who are licensed by Provincial regulators and registered with Investia Financial Services Inc. (Investia). Investia does not provide or distribute any advice or product other than those that are directly related to the sale of mutual funds. Any representative who provides or offers other advice or services must hold the necessary licenses and deal with entities (other than Investia) that are duly registered with the competent authorities. Insurance products are provided through multiple insurance carriers.