Overlay text: Meet Allen. This is his real-life Credit Protection story.

Voiceover, Allen: My name is Allen Tomnik. I am a Construction SuperintendentAhmedabad Investment. I'm forty-years-old, married with four kids, living in Spruce Grove, Alberta.

Close-up on Allen, a Caucasian male. He wears jeans and a beige, collared T-shirt. At home in his kitchen he prepares a meal with his wife. Allen gives her a quick, affectionate kiss.

Voiceover, Allen: We were deciding whether or not we should try to find another house…

They are talking in the kitchen while standing upKolkata Investment. Allen's wife unloads the dishwasher.

Voiceover, Allen: …or renovate and add on to the house that we lived in.

Allen sits on a couch in a living room, before a fireplace.

Voiceover, Allen: We decided that we couldn’t afford to build or buy a brand new house,

Allen stands, reviews blueprints at the kitchen table. He wears a three-quarter-length grey and blue crewneck.

Voiceover, Allen: so we decided to refinance. Our representative at TD Bank suggested the…

Allen seated on the couch in the original T-shirt.

Voiceover, Allen: …Credit Protection and my wife agreed that, you know, it was a great idea. And a day after I was approved…

Allen and his wife talk in the kitchen, she nods.

Voiceover, Allen: I had a blockage in one of my arties in my heart, a heart attackChennai Investment. In the back of my mind I guess I knew I was at riskLucknow Investment. My father's side of the family has a history of heart disease.

Allen on the couch. He looks serious. He animates his speech with his hands.

Voiceover, Allen: We didn't have extra money set aside for family trips, for a rainy day, for emergencies or anything.Jaipur Wealth Management

Allen and his wife are seated, reviewing their finances. They exchange pensive looks.

Voiceover, Allen: We were pretty much paycheque-to-paycheque. I think it was three weeks after the event they paid our mortgage off. Entirely.

Allen and his wife appear worried. Allen points at a figure on a paper. Allen on the couch. He shakes his head in relief and disbelief.

Voiceover, Allen: Having a house that we own free-and-clear gives us the lending power to build the house that will fit us.

Smiling, Allen and his wife assess their financial records.

Voiceover, Allen: And that's happening right now, we’re building a house on an acreage that we've always wanted.

Allen seated on the couch.

Voiceover, Allen: It was humbling but it also makes me realize…

Allen holds his arm around his wife. They are seated outdoors in front of plants and a garage.

Voiceover, Allen: How important it is to make sure that even if there's something that does happen to me…

Allen on the couch.

Voiceover, Allen: …that my family's taken care of.

Allen in the kitchen. He smiles and looks toward the window.