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Life insurance
Help protect your family’s income, mortgage, debts and future plans with coverage suited to your needs and stage of life.
Term · Permanent · Whole life · Universal life · No-medical optionsPersonal and business insurance solutions that work.
Protect your family.
Strengthen your business.
For individuals & familiesWould your family be financially secure if life changed suddenly? Life and critical illness insurance can help protect your financial stability, mortgage and future plans—giving the people you love room to move forward.
For business owners & companiesWhat would happen if an owner or key person could no longer contribute? Business insurance can help support continuity, while group benefits can help you attract, retain and care for your team.
Individuals & familiesBusiness owners & employersFree initial consultation
Two areas of service. One thoughtful approach.
Insurance guidance for life and business.
Individuals & families: life and critical illness insurance to help protect the people you love, your income, debts and long-term plans.
Business owners & companies: business insurance to help protect owners and operations, plus group benefit plans that support employees.
A personal approach
Clear guidance starts with a real conversation.
Whether you are protecting your family or planning for your company, I take the time to understand what matters, explain the options in plain language and help you move forward with confidence.
Dorota DoctorowPersonal & Business Insurance
How I help
Solutions for every stage of life and business.
Start with what matters to you. I will help you understand the available options and explore solutions that fit your needs, priorities and budget.
01
Protecting you & your family
Build financial security around the people and plans that matter most.
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Critical illness insurance
A lump-sum benefit following a covered diagnosis can provide financial breathing room while you focus on treatment and recovery.
Recovery support · Financial flexibility · Family protection○
Disability insurance
Protect a portion of your income with monthly benefits if an illness or injury prevents you from working, subject to policy terms.
Professionals · Self-employed · Business owners+
Health & dental insurance
Help manage eligible health and dental expenses when you do not have workplace benefits or need additional coverage.
Prescription drugs · Dental · Vision · Extended health⌂
Long-term care insurance
Help prepare for the financial impact of needing assistance with everyday activities because of illness, injury or aging.
Care support · Financial independence · Later-life planning02
Building wealth & retirement income
Plan for future goals, retirement income and the legacy you want to leave.
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Investments & retirement income
Explore segregated funds for long-term investing and annuities that can turn savings into dependable retirement income.
Segregated funds · Annuities · Retirement income · Estate planning03
Protecting your business & employees
Strengthen business continuity and support the people who help your company grow.
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Business protection
Explore strategies that can help protect business continuity, ownership interests and the people your company depends on.
Key person · Buy-sell funding · Business-owned coverage◇
Group benefits
Build a plan around your workforce, goals and budget while helping you support, attract and retain employees.
Health · Dental · Life · DisabilityWhat to expect
A clear process.
No rushed decisions.
Your first meeting is a conversation, not a sales presentation. We will talk about what matters to you and decide whether working together makes sense.
- 01
Discover
We discuss your family, goals, obligations, existing protection and budget.
- 02
Analyze
I assess your needs and research suitable options from the insurers I represent.
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Understand
We review the options, trade-offs and recommendation in plain language.
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Decide
You choose whether and how to proceed. There is no obligation after our initial meeting.
Free initial consultation
Personal or business—let’s talk.
Choose a convenient time for a complimentary 30-minute consultation about personal life or critical illness insurance, business protection, or a group benefits plan.
30 minutes2 service pillarsON Ontario service
View available times
Your appointment is confirmed instantly and added to your calendar.
Start a conversation
Tell me what you would like to protect.
Share a few details and I will contact you to arrange a complimentary initial conversation. Please do not include medical, financial or other sensitive personal information.
Prefer email?dorota@dorotadoctorow.ca
Before we meet
Common questions
Do I need to know what type of insurance I want?
No. The purpose of discovery is to understand your needs before discussing a particular product.
Do I have to purchase anything?
No. The initial consultation is complimentary and there is no obligation to apply for coverage.
Can you help protect my business as well as my employees?
Yes. Business protection and employee group benefits are separate areas we can explore. We will begin with your ownership structure, key people, workforce, current coverage, priorities and budget.
What should I bring?
A general picture of your income, debts, existing coverage and workplace benefits is helpful. Business owners may also want to bring a basic overview of ownership, key people and current benefit arrangements. We will tell you securely if specific documents are needed later.
Can we meet virtually?
Yes. Consultations can be arranged by phone or secure video meeting for Ontario residents.