Where your future feels safe
Protecting Your Loved Ones with Reliable Life Insurance Solutions
Individuals & Families
Personalized insurance plans to protect your loved ones and future
Investment & Savings
Smart financial solutions to grow wealth and secure retirement goals
Business Owners
Customized coverage to protect your business, employees, and bottom line
Helping You Protect What Matters Most
With Clarity, Care, and Confidence
Your Trusted Insurance Partner
With over a decade of experience in the insurance industry, Azita Shirazi is a trusted and knowledgeable insurance broker dedicated to helping individuals, families, and businesses find the right protection for their unique needs.
Azita takes a client-first approach, offering personalized guidance, clear advice, and tailored insurance solutions that bring peace of mind. Whether you're looking for life, health, travel, or business insurance, she makes the process simple, transparent, and stress-free.
Based in Toronto, Azita works with leading Canadian insurance providers to ensure her clients have access to the best coverage options at competitive rates. She believes in building long-term relationships, rooted in trust, service, and care.
Your peace of mind is her priority.
OUR STRATEGY
Invensure is proudly recognized as one of Ontario’s leading insurance providers
Life Insurance Products
Term Life Insurance: Affordable coverage for a specific period (e.g., 10/20/30 years)
Whole Life Insurance: Whole Life Insurance Permanent coverage with cash value and dividends (participating or non-participating)
Universal Life Insurance: Universal Life Insurance Flexible permanent insurance with investment options
Joint First-to-Die / Last-to-Die: Covers two people; used for estate planning or income replacement
Children’s Life Insurance: Permanent or term coverage for children, often with conversion options
Health & Protection Insurance
Critical Illness Insurance: Lump sum payout on diagnosis of major illnesses (e.g., cancer, stroke)
Disability Insurance (DI): Monthly income if the insured is unable to work due to illness or injury
Accident Insurance (AD&D): Lump sum or benefits if death or dismemberment occurs due to an accident
Hospital Cash Insurance: Pays daily benefit when hospitalized
Recovery Care Insurance: Assists with post-hospital recovery expenses
Long-Term Care Insurance: Helps cover the cost of assisted living or home care in later years
Health & Dental Plans (Individual or Family)
Health & Dental Insurance: Covers drug, dental, vision, paramedical, emergency travel
Guaranteed Issue Plans: No medical underwriting (for high-risk clients)
FollowMe: Plans Continuation of employer benefits post-retirement or job loss
INVESTMENTS & SAVINGS
TFSA (Tax-Free Savings Account): Tax-free growth and withdrawals
RRSP (Registered Retirement Savings Plan): Tax-deferred retirement savings
RRIF (Registered Retirement Income Fund): Converts RRSP to income during retirement
LIRA (Locked-In Retirement Account): Holds pension funds when leaving an employer
LIF (Life Income Fund): Withdrawals from LIRA at retirement
RESP (Education Savings Plan): Tax-sheltered education savings with grants
RDSP (Disability Savings Plan): Long-term savings for people with disabilities
FHSA (First Home Savings Account): Tax-deductible contributions and tax-free withdrawals for buying a first home
Non-Registered Investment Accounts: Taxable investment accounts with flexible withdrawals
Annuities
Immediate Annuities: Guaranteed income for life or a set period, starting immediately
Deferred Annuities: Accumulates funds now, pays income in the future
Prescribed Annuities: Tax-efficient annuities for non-registered funds
Joint Annuities: Income continues to a surviving spouse
Segregated Funds (Seg Funds)
Similar to mutual funds but offered by insurance companies
Include maturity and death guarantees (75% or 100%)
Bypass probate (with named beneficiaries)
Offer creditor protection (in many cases)
Available inside TFSA, RRSP, FHSA, RESP, LIRA, LIF, RDSP, and non-registered accounts
Business Protection
Key Person Insurance: Protects company against loss of a key employee
Buy-Sell Insurance: Funds shareholder/partner buyout on death or disability
Business Overhead Insurance: Covers fixed expenses if the owner is disabled
Loan Protection Insurance: Repays business loans in case of death or illness
Employee Benefits
Group Life Insurance: Life coverage for employees
Group Health & Dental Plans: Employer-paid or shared health/dental coverage
Group Disability Insurance: Short and long-term income protection for employees
Health Spending Accounts (HSA): Tax-effective way to reimburse medical expenses
Group RRSP: Retirement savings plan through payroll deduction
Deferred Profit Sharing Plan (DPSP): Company-funded plan based on profits
Private Health Services Plan (PHSP): For incorporated professionals to write off health expenses
Corporate Investment & Tax Planning
Similar to mutual funds but offered by insurance companies
Include maturity and death guarantees (75% or 100%)
Bypass probate (with named beneficiaries)
Offer creditor protection (in many cases)
Available inside TFSA, RRSP, FHSA, RESP, LIRA, LIF, RDSP, and non-registered accounts
Smart Solution
Investment + Insurance
Whole life
Universal life
IFA
Tax Free life time savings
Child life time savings
Wealth Generation
Retirement planning
permanent life and savings
Cash value plan
Return of premium product
Investment
Tailored Protection for Entrepreneurs, Startups, and Established Companies
Running a business comes with risks — but with the right insurance advisor, you can confidently protect your company, your team, and your future.
With over 10 years of experience, Azita Shirazi specializes in helping business owners like you find smart, affordable, and customized insurance coverage that aligns with your operations and goals.
Business Protection
Key Person Insurance: Protects company against loss of a key employee
Buy-Sell Insurance: Funds shareholder/partner buyout on death or disability
Business Overhead Insurance: Covers fixed expenses if the owner is disabled
Loan Protection Insurance: Repays business loans in case of death or illness
Employee Benefits
Corporate Investment & Tax Planning
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Our Mission
At LifeGuard Insurance, we are dedicated to providing peace of mind by offering comprehensive life insurance coverage tailored to your unique needs.
Testimonials
Hassan Siavashnejad
We trust Azita with all our business insurance needs.
Azita helped us set up comprehensive group benefits and commercial coverage for our team. She's responsive, knowledgeable, and always puts our best interest first. A true professional!
Pooya Siadatian
Professional, honest, and incredibly helpful.
I reached out to Azita for life and disability insurance after a friend recommended her. She asked the right questions and found a plan that matched both my needs and my budget. I couldn’t be happier.
Jalal Kheyrdost
Azita made the insurance process simple and stress-free.
As a first-time buyer, I was overwhelmed by the options. Azita took the time to explain everything clearly and helped me choose the right plan for my family. She truly cares about her clients and it shows.
Frequently Asked Questions
Common Questions Answered for your convenience.
What types of insurance do you offer?
I provide a full suite of insurance solutions tailored to your needs, including life insurance, critical illness, disability, travel insurance, group benefits for individuals, families, and business owners in the provinces of Ontario , BC and Nova scotia.
Why should I work with an insurance broker instead of going directly to a bank or insurance company?
As an independent insurance broker, I work for you—not for any one company or bank. That means:
✅ I can compare quotes and products from multiple top-rated insurers
✅ You get unbiased advice tailored to your personal or business needs
✅ I take the time to understand your goals and offer customized solutions
✅ You’re not limited to one company’s products or pricing
✅ My ongoing support doesn’t stop after you buy your policy
In short, I help you make informed, confident decisions—without pressure or sales bias.
How can I create a retirement plan that works for me?
Everyone’s retirement goals are different. I’ll help you build a personalized retirement plan using tools like RRSPs, TFSAs, annuities, and even insurance-based solutions. Together, we’ll create a strategy that fits your income, risk comfort, and future lifestyle goals—so you can retire with confidence
Why should I get additional insurance if I already have coverage through work?
Group insurance from your employer is a great benefit—but it often has limits. Coverage may end if you change jobs, retire, or become self-employed. It also may not fully protect your income, family, or long-term needs.
By having your own personal insurance, you stay in control of your protection—no matter where life takes you. I can help you fill the gaps and ensure you’re covered with a solution tailored just for you.
As a business owner, how can I grow wealth and reduce taxes through insurance?
With tools like corporate-owned life insurance, you can grow funds inside your corporation tax-efficiently, protect your company, and transfer wealth effectively.
When is the best time to buy insurance or start investing—and why?
The best time is as early as possible. The younger and healthier you are, the lower your premiums and the more time your investments have to grow. Delaying often means paying more and losing valuable financial opportunities.
