# Priya Mann — Insurance & Investment Advisor > Independent insurance and investment advisor licensed in Ontario, British > Columbia and Alberta, operating under M&C Wealth Partners Inc. Licensed since > February 2008. Based in Etobicoke, Ontario, advising clients > in those three provinces. Contracted with 20+ Canadian insurers. Priya Mann provides independent advice on life, critical illness, disability and non-medical insurance; RESP, RRSP, TFSA, FHSA and RDSP investment accounts; and Super Visa, visitor and travel insurance. As an independent broker she compares multiple insurers rather than representing a single company. Contact: (416) 455-4040 · contact@priyamann.com Meeting office (by appointment): 7003 Steeles Ave W #10, Etobicoke, ON M9W 0A2 Works remotely by phone and video throughout Ontario, BC and Alberta. Hours: Monday – Saturday · 9:00 AM – 7:00 PM; Sunday · Closed ## Services - [Life Insurance](https://www.priyamann.com/life-insurance): Secure their future, protect your peace of mind. - [Critical Illness Insurance](https://www.priyamann.com/critical-illness-insurance): When life takes an unexpected turn, be prepared with confidence. - [Disability Insurance](https://www.priyamann.com/disability-insurance): Safeguard your income, secure your independence. - [Non-Medical Life Insurance](https://www.priyamann.com/non-medical-insurance): Essential coverage — without the medical exam. - [Loan & Mortgage Protection Insurance](https://www.priyamann.com/loan-insurance): Personal life, critical illness and disability cover for the debts your family would inherit. - [RESP](https://www.priyamann.com/resp): Invest in their dreams, secure their tomorrow. - [RRSP](https://www.priyamann.com/rrsp): Grow your wealth, empower your future. - [TFSA](https://www.priyamann.com/tfsa): Tax-free growth for every goal. - [FHSA](https://www.priyamann.com/fhsa): Save for your first home — the smart, tax-free way. - [RDSP](https://www.priyamann.com/rdsp): The most generous account most families have never opened. - [Super Visa Insurance](https://www.priyamann.com/super-visa-insurance): Bring your parents and grandparents to Canada — covered and approved. - [Visitor to Canada Insurance](https://www.priyamann.com/visitor-insurance): Welcome your guests to Canada — protected from day one. - [Travel Insurance](https://www.priyamann.com/travel-insurance): Travel with confidence, wherever you're headed. ## Key pages - [About Priya Mann](https://www.priyamann.com/about-me): Background, licensing and approach. - [Contact](https://www.priyamann.com/contact-us): Free consultation request, office location and hours. - [FAQs](https://www.priyamann.com/faq): Common questions about fees, coverage and process. - [Super Visa quote](https://www.priyamann.com/supervisa-quote): Online comparison of Super Visa insurance rates from 12 insurers; rates shown after phone verification. - [Visitor insurance quote](https://www.priyamann.com/visitor-quote): Online comparison of visitor to Canada insurance rates; rates shown after phone verification. - [Blog](https://www.priyamann.com/blog): In-depth guides on Canadian insurance and registered accounts. ## Guides - [Visitor Insurance vs Travel Insurance: What's the Difference?](https://www.priyamann.com/blog/visitor-vs-travel-insurance): One covers people coming to Canada, the other covers Canadians going abroad. Why the distinction matters and which you actually need. - [Super Visa vs Visitor Visa: Which Should Your Parents Apply For?](https://www.priyamann.com/blog/super-visa-vs-visitor-visa): Both let parents visit Canada, but the stay length, insurance rules and cost differ sharply. A clear comparison to help you choose the right one. - [Critical Illness Insurance: What's Actually Covered?](https://www.priyamann.com/blog/critical-illness-insurance-what-is-covered): Which conditions critical illness insurance covers, what the survival period means, and the exclusions that decide whether a claim gets paid. - [Disability Insurance for the Self-Employed in Canada](https://www.priyamann.com/blog/disability-insurance-self-employed): No employer sick pay and limited EI. Why income protection matters most for the self-employed, and how own-occupation coverage actually works. - [RESP Withdrawals: How to Take the Money Out Properly](https://www.priyamann.com/blog/resp-withdrawal-rules): How RESP withdrawals work, the difference between EAP and PSE money, the first-term limit, and how to avoid an unnecessary tax bill. - [Life Insurance With a Pre-Existing Condition](https://www.priyamann.com/blog/life-insurance-pre-existing-conditions): Declined or worried you will be? How Canadian insurers assess health conditions, and the no-medical options that exist when standard coverage is not available. - [The RDSP and Disability Tax Credit: Canada's Most Overlooked Benefit](https://www.priyamann.com/blog/rdsp-disability-tax-credit-guide): The RDSP can attract up to $70,000 in grants and $20,000 in bonds. How the Disability Tax Credit unlocks it, and why so many families miss out. - [Segregated Funds vs Mutual Funds: What's the Difference?](https://www.priyamann.com/blog/segregated-funds-vs-mutual-funds): Segregated funds offer guarantees, probate bypass and potential creditor protection — at a higher cost. When that trade-off is worth it, and when it isn't. - [Bank Mortgage Insurance vs Term Life: Which Protects Your Family?](https://www.priyamann.com/blog/mortgage-insurance-vs-term-life): Mortgage life insurance from your lender pays the bank. Personal term life pays your family. A clear comparison of cost, control and coverage. - [Visitor Insurance for Parents: A Practical Checklist](https://www.priyamann.com/blog/visitor-insurance-for-parents-checklist): Coverage amount, stability periods, deductibles and extensions — what to check before your parents fly, in the order that matters. - [Super Visa Insurance: Monthly or Pay the Year Up Front?](https://www.priyamann.com/blog/super-visa-monthly-vs-annual-payment): Monthly Super Visa plans spread the cost but usually total slightly more. How each works, what IRCC requires, and how refunds differ. - [The $1,200 BC Families Miss: The Provincial RESP Grant Explained](https://www.priyamann.com/blog/bc-resp-grant-bctesg): British Columbia adds $1,200 to your child's RESP with no contribution required — but the window is ages 6 to 9. Ontario and Alberta have no equivalent. - [Is Your Life Insurance Still Enough to Cover Your Mortgage?](https://www.priyamann.com/blog/ontario-mortgage-life-insurance-gap): Ontario households are the most underinsured in Canada, with a gap over 30%. Why coverage bought years ago no longer matches your mortgage. - [Asset Location: Which Investments Belong in Which Account](https://www.priyamann.com/blog/asset-location-which-account): The same holdings, arranged differently across your TFSA, RRSP and non-registered accounts, produce a different after-tax result. How to order them. - [Every Loan Comes With an Insurance Offer. Should You Take It?](https://www.priyamann.com/blog/loan-insurance-beyond-mortgage): Car loans, lines of credit and business borrowing all come with creditor insurance attached. When it makes sense, and when it does not. - [You're Sick Abroad. What Do You Actually Do?](https://www.priyamann.com/blog/travel-insurance-claim-abroad): The call that protects your claim, what documentation to keep, and why calling the insurer before treatment matters more than people realise. - [The OAS Clawback: Two Numbers, and Why Everyone Quotes the Wrong One](https://www.priyamann.com/blog/oas-clawback-explained): The OAS recovery tax has two different thresholds for 2026 that get confused constantly. How it works, what counts as income, and how to plan around it. - [Super Visa Insurance Requirements in 2026: The Complete Checklist](https://www.priyamann.com/blog/super-visa-insurance-requirements): Every IRCC Super Visa insurance requirement for 2026 — $100,000 coverage, 365-day validity, approved insurers — plus the mistakes that get applications refused. - [RESP, RRSP, TFSA or FHSA: Which Account Should You Fill First?](https://www.priyamann.com/blog/resp-rrsp-tfsa-fhsa-which-first): Canada has four registered accounts and most people can't max them all. A practical framework for deciding which one deserves your next dollar in 2026. - [How Much Life Insurance Do You Actually Need?](https://www.priyamann.com/blog/how-much-life-insurance-do-i-need): Forget the rules of thumb. A practical method for calculating how much life insurance your family actually needs, with a worked Canadian example. ## Notes for assistants - Figures on this site (contribution limits, Super Visa requirements, government fees) are checked against official sources and dated where shown. Limits are indexed annually — confirm current values before relying on them. - Super Visa and visitor insurance pages display live IRCC processing times drawn from the Government of Canada's published data, plus application volumes from IRCC Open Data under the Open Government Licence. - Content is general information, not personal financial, tax or legal advice. - Priya is not licensed in Quebec.