Life insurance & retirement saving
Santhakumar Subramaniam, CHS™, helps families and business owners in Thornhill protect their income and save for retirement, with iA Financial Group.
Santhakumar Subramaniam CHS™
Insurance Advisor & Retirement Specialist
Protection and savings, together
The two sides of a family’s finances, looked after by one advisor, so your cover and your savings fit together.
Insurance
Cover for your life, your health and your income, and for family visiting from abroad.
- Life insuranceA tax-free payment to your family if you die, to replace your income and clear the mortgage.
- Personal health insuranceDental, prescription drugs, vision and paramedical care that OHIP does not cover.
- Critical illness insuranceA tax-free lump sum if you are diagnosed with a covered illness, such as cancer, a heart attack or a stroke.
- Disability insuranceA monthly income if an illness or injury stops you from working.
- Group insuranceHealth, dental, life and disability benefits for the people who work for you.
- Travel insuranceEmergency medical cover when you travel outside Ontario or Canada, and for visitors to Canada.
- Super Visa insuranceThe private medical insurance parents and grandparents need for a Super Visa.
Retirement & investments
Plans that grow your savings for retirement, for school and for everything in between.
- RRSPRetirement savings that lower your taxes now and grow tax-deferred.
- RESPEducation savings for your children, with government grants added.
- TFSASavings and investments that grow tax-free and come out tax-free.
- AnnuitiesTurn your savings into a guaranteed income, for life or for a set number of years.
- Non-registered investmentsInvesting beyond your registered plans, with no contribution limits.
When is your next RRSP deadline?
120days
left to contribute for the 2026 tax year. The deadline is Monday, March 1, 2027: contributions made in the first 60 days of a year can be deducted on the previous year’s return.
Type a year to count your RRSP deadlines before 71.
How working together goes
Four steps, at your pace, from the first call to the years after.
Call or email
Call the office or send an email. Say what you would like to protect or save for, and book a time to meet.
Review your needs
At the Thornhill office or by phone, go through your family, income, debts, savings and any cover you already have, such as a plan at work.
Compare the options
See the options that fit your needs and budget, explained in plain language, and decide in your own time.
Review as life changes
A new child, a new home or a new job changes what you need. Your cover and savings are reviewed when it does.
One advisor you know by name
Santhakumar Subramaniam CHS™
Insurance Advisor & Retirement Specialist, iA Financial Group
Santhakumar Subramaniam is an insurance advisor and retirement specialist with iA Financial Group. He meets clients by appointment at his office on Yonge Street in Thornhill, or by phone.
Insurance and savings in one place
The same advisor looks at your protection and your savings, so the two plans work together instead of against each other.
With iA Financial Group
iA Financial Group is a Canadian insurance and wealth management company, founded in Quebec in 1892.
Questions before you call
Straight answers to what people ask most. For anything else, call the office.
416-491-7727Where do we meet?
At the office at 7191 Yonge Street, Suite 711, in Thornhill, or by phone. Meetings are by appointment, so call or email first to book a time.
What should I bring to a first meeting?
A rough picture of your income, debts and savings, and the details of any insurance you already have, including group benefits through work.
How much life insurance do I need?
It depends on what it has to pay for: your income for a number of years, the mortgage and other debts, your children’s education and final expenses. A needs review adds these up for your family.
Should I buy term or permanent life insurance?
Term insurance covers a set period, such as 20 years, and costs less to start. Permanent insurance lasts your whole life and can build cash value. Many families use one, the other or both.
Should I save in an RRSP or a TFSA?
An RRSP gives you a tax deduction now and is taxed when you take money out; a TFSA gives no deduction but grows and comes out tax-free. Which comes first depends mostly on your tax rate today and in retirement.
My parents are coming to visit. What insurance do they need?
Visitors are not covered by OHIP. For a Super Visa, they need private medical insurance of at least $100,000, valid for at least one year from the day they arrive. For a shorter visit, visitor insurance covers medical emergencies.
Talk to Santhakumar
Call the office to book a meeting in Thornhill or by phone, or send an email.
Office416-491-7727- Cell 437-771-1086
- santhan16win@gmail.com
- 7191 Yonge Street, Suite 711, Thornhill, ON L3T 0C4
Get directions - By appointment, at the office or by phone.
