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Life Insurance is coverage that gives your family or beneficiaries a tax-free cash payment (also called death benefit) after you die.  This way, they can help take care of their financial needs even after you’re gone. Life insurance helps protect the financial security of the people who are depending on you.

Whether you want help covering final expenses or building a legacy, you can protect your family or business with term, permanent insurance or no medical & simplified Issue Life Insurance

Term Insurance

Offers temporary protection for a chosen period of time like 10, 20 or 30 years. During this term, the premiums you pay are fixed. Once the term expires, you often have the option to renew at new rates, or convert to a permanent life insurance plan without having to answer questions about your health.

Term insurance can be simpler and more affordable than other types of life insurance products.

Permanent Insurance

Offers protection for the entire life of the insured, in addition some policies also accrue cash value. There are several types of permanent life insurance plans:

• Term 100 Life Insurance – offers protection for life, with fixed premiums up to age 100.
• Whole Life Insurance – offers consumers guaranteed cash value accumulation at a fixed premium.
• Universal Life Insurance – offers cash value accumulation where you have the freedom to make your own investment choices.

Final Expenses Insurance

Simplified Issue & No Medical Permanent Life Insurance (Whole Life Insurance) provides lifetime protection. This type of coverage is ideal for permanent needs such as final expenses.

Your life insurance policy can be used to cover funeral costs as well as any outstanding expenses. In Canada, the cost of a funeral can range from a modest $5,000 to well over $15,000 and this expense would have to be paid by your family if you haven’t planned in advance for this cost.

Protect your loved ones from the financial burden of:

• Funeral costs
• Any debts or mortgages that will need to be paid off
• Any taxes you might owe

It is usually a low-cost option that can provide peace of mind for you and your loved ones.

No Medical and Simplified Issue Life Insurance, allows you the freedom and flexibility to secure a reliable life insurance plan that covers your final expenses, without the need for a medical exam or needles. Even if you have health issues you can apply for convenient, reliable, and affordable No Medical life insurance plans.

Also is a great option for people who want life insurance with no medical exam and no waiting period.

Why should you consider Simplified Issue or No Medical Life Insurance?

• You’re a Canadian citizen, permanent resident or have a valid work or study permit
• You have some health problems
• You’re hard to insure
• You have a dangerous job or participate in hazardous or extreme sports
• You don’t like needles or medical exams
• You just want your coverage fast

Rising medical and everyday expenses can make the future feel threatening. And without coverage, it can be stressful to pay for the costs on your own.

Personal health insurance (also known as individual health and dental insurance) is coverage that can help Canadians or those living in Canada cover the cost of preventive care or medical bills due to an illness. It can help pay for several health-related expenses, including:

• Prescription Drugs
• Dental Services
• Registered Specialists and Therapists
• Home Care and Nursing
• Emergency Travel
• Vision Care
• Accidental Dental Services
• Medical Equipment and Supplies
• Hearing Aids

And more.

Self-employed or a small business owner? Your premiums may be tax deductible!

Get the protection and peace-of-mind you need.

Critical illness can strike anyone, without discrimination and without warning. Would you be financially ready to face a critical illness diagnosis?

The diagnosis of a critical illness is news that has serious consequences. To get through a difficult period, knowing that you can maintain your lifestyle even if you must stop working for an indeterminate period and be able to pay unforeseen costs resulting from the illness is a huge relief. Critical illness insurance provides financial assistance to help you face the diagnosis of a covered critical illness or condition, as defined in the policy.

If you are diagnosed with a critical illness that is covered by your policy, you will receive a tax-free lump sum payment to help you cover the costs of the illness. You can use the money as you see fit, without having to justify how you spend it!

Your most valuable asset isn’t your home or your car. It is your ability to earn an income. And disability insurance helps protect just that if an illness or injury prevents you from working.

Disability insurance provides monthly income to cover income lost due to a disability. It’s the ideal solutions to avoid a disability-related work stoppage affecting a person’s finances and lifestyle.

This coverage is ideal for employees who do not have group disability insurance through their employer, as well as self-employed workers and small business owners. Even better, individual insurance disability benefits are not taxable.

• Gives you access to a source of replacement income in case of disability
• Makes sure you can continue to meet your financial commitments during your recovery
• Helps to cover expenses related to your disability such as physiotherapy, occupational therapy or special equipment
• Because it is individual insurance, your monthly benefits are not taxable
• Renewal of your coverage is guaranteed if necessary

Bundles your mortgage insurance with life insurance plus optional critical illness and disability protection, all in one flexible plan.

Unlike a bank’s mortgage insurance policy, you own your Mortgage policy, which stays in effect even if you switch lenders. Only you can cancel it; you’re in total control of your policy.

With Mortgage Life Insurance:

• Your family receives the benefits if you pass away, not the bank.
• Funds can be used as you decide: pay off the mortgage, invest, or maintain your quality of life.
• Your premium rate is fixed and guaranteed for the initial term of the policy.
• The benefit amount is level for the term of the policy, unless you choose to reduce it, and reducing the benefit amount also reduces the premium rate
• You can convert the policy to a permanent insurance plan as the policy allows.

Safer travel starts with travel protection

Injury and sickness can happen anytime, anywhere. Travel insurance can provide you and your family with financial protection while you are abroad. The Government of Canada highly recommends that both visitors to Canada and travelling Canadians purchase adequate insurance coverage for their trip (this applies to day trips to the US as well).

Government Health Insurance Plans (OHIP) provide very limited emergency medical coverage for Canadians travelling outside of their province or territory of residence, and visitors to Canada are not covered under Canada’s universal health care system. For this reason, it’s ideal to purchase travel insurance.

• Affordable Travel Insurance Plans for Canadian Residents and Visitors to Canada
• Get Travel Insurance for One Trip or Multiple Trips
• Worldwide Coverage with Emergency Medical, Trip Cancellations, Interruptions, Delays & More

We provide business owners with insurance to protect the business and its owners in the event of sudden death, critical illness or disability.

 You’ve worked hard to build your business. Let us help you protect it, while you focus on what matters most. We review of your current programs and putting together the right package for your needs, without over-complication.

Canadian companies come in all shapes and sizes, so doesn’t it make sense to find a benefits plan that does too?

Let’s design a benefits package that fits your small or medium-sized business’ needs, size, and budget.

Our full-range of insurance solutions for businesses, include:

Employees Benefits

Get flexible health and dental coverage to fit your employees – and your budget

Affordable: we build benefit plans designed to grow with your business, minimizing program admin costs

Configurable: build a plan selecting benefit types, giving Canadian businesses a full range of options from basic to fully customized

Usable: Let your business – and your employees – enjoy a convenient and hassle-free benefits plan experience from purchase to renewal

Individual and Business Insurance

As a business owner you have options: your life insurance policy can be personally or corporately owned.

There are tax advantages to a business-owned policy. It provides a one-time, tax-free payout for your business if you, your business partner or key employees die.

Life insurance isn’t just a way to help protect your business, it also helps diversify your assets. You also may be able to access the policy’s value.

The right life insurance is a powerful and flexible way to mitigate risk, accelerate your business goals and safeguard your enterprise.