We offer a wide array of insurance products. Our product catalogue is listed below with detailed descriptions of each services. If you have any further questions regarding any of our products, feel free to contact us.
Life Insurance is a contractual agreement between an policy holder and Insurance company where the insurer contractually agrees to pay the designated beneficiary of the policy a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder). The policy holder pays a premium to have coverage for a larger amount up front should death occur shortly after the policy is initiated.
Learn more about Life Insurance
Critical Illness Insurance
Needless to say serious illnesses, such as cancer or heart attack, can create a financial burden for your family and/or business, drastically affecting your personal life and overall life style. Critical illness insurance is intended to ease the financial pressures by paying a tax-free lump sum if you become seriously ill or totally disabled. Typically, you must survive at least one month after becoming critically ill, before the policy will pay out.
Learn more about Critical Illness Insurance
Disability insurance is designed to replace roughly 50% of your gross income on a tax-free basis should a sickness or illness prevent you from working. Unlike Critical Insurance which will pay you a one-time lump sum benefit, disability insurance policy will pay you a monthly benefit just like a regular pay cheque you get from your employer. The benefit payment can be taxable or non-taxable, based on the amount of benefit required and whether it is an individual plan or group plan provided by your employer.
Learn more about Disability Insurance
Long Term Care
With an aging population the popularity and need for a Long-term care plan has become a major consideration for many Canadians approaching or currently in retirement. Long Term Care focuses on many services beyond medical care and nursing care which is used by people who have disabilities or chronic (long-lasting) illnesses. Long-term care insurance helps you pay for these services, which can be very expensive and are in many instances without an end date. A policy also ensures that you can make your own choices about what long-term care services you receive and where you receive them.
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Group Insurance / Group Benefits
It’s widely understood by businesses large and small the importance of their employees and with that said, ensuring employee satisfaction. In today’s competitive marketplace, combined with a shrinking workforce, recruiting qualified employees has become an increasingly challenging and costly. Offering the right benefits plan has become an excellent retention tool. A well structured and coordinated health benefits plan can mean better outcomes for employees and a simplified administration plan for the employer.
Learn more about Group Insurance / Group Benefits
Registered Education Savings Plan – RESP
A Registered Education Savings Plan (RESP) is an investment vehicle that allows Canadian families to save for their children’s post-secondary education.
Learn more about RESP