The loss of future income, due to the death of a breadwinner, can have a severe impact on the lifestyle of the surviving family members. Funeral expenses, final medical expenses or debt owed by the deceased may become due and payable as well as possible estate or inheritance taxes. Life insurance can create an immediate source of funds to enable the payment of these expenses, provide funds for your child’s university education or to provide a source of future income for your survivors.

We will show you an in depth but simple look at how life insurance works and how it can help you and your loved ones. And life insurance doesn’t have to be expensive. We will guide you on finding a plan that fits your budget but meets the needs of your family.

Critical illness insurance is a form of protection that can provide you with a lump sum payment if you suffer from a covered critical illness and you are unable to work. Examples of critical illness are cancer, heart attack, stroke and coma. The physical and emotional strain of a critical illness can be severe and when you combine that with the potentially damaging financial impact, the result can be devastating.

That’s where the critical illness benefit comes in—you are free to spend the money as you wish—such as to help cover lost income, to pay for monthly bills while you are out of work or even to pay off your mortgage. It can help you where you need it most so you can focus all your energy on recovering.

Do you ever wonder how you would meet your financial obligations if an accident or illness prevented you from working? When you become disabled, you lose not only your primary source of income; quite often you also face expenses related to your condition.

Disability insurance is a source of income that replaces your salary or other source of earnings if you are disabled as a result of an accident or illness. It is a good protection to have for self-employed individuals or business owners.
Understanding this coverage is very easy. It doesn’t have to be complicated. Let us show you how easy and painless it is to understand your options.

We offer a variety of disability insurance products to help protect your business if you, your partner or a key employee become disabled. Could your business survive if you were disabled, or would you be forced to sell your business or take other measures to meet financial obligations? Overhead Expense Plan – Reimburses eligible business expenses that remain the responsibility of a business owner during a disability.
Buy/Sell Plan – Provides funds to help enable the business or one or more business owners to purchase the shares or ownership interest of a totally disabled shareholder or partner.
Keyperson Plan – Provides benefits in the event of a key employee’s total disability.
It can be confusing. But with the right advice, good client service and getting the proper information in the most simple way possible, we can help you get the protection you need for your business.

You’ve planned and saved for your vacation. But are you ready to pay for the unexpected costs if something doesn’t go according to plan? Do you know what to do if a short-term visit becomes a long-term hospital stay? Whether you’re travelling abroad, outside your home province or territory, visiting Canada or returning to Canada to live, emergencies can happen.
There’s a comprehensive coverage available for visitors to Canada, including the coverage required to qualify for a Super Visa. Tell us what you need for your travel plans and we will do the rest.

Looking for a house to buy is not a challenge you take lightly. You have no doubt already figured out what you need in terms of space, number of rooms, style, neighbourhood, and state of repair. The purchase of a house is an important financial decision, and it is definitely a smart idea to protect the biggest investment of your life.
Mortgage insurance enables you to avoid leaving a significant debt for your surviving spouse and children. This plan enables your loved ones to keep the house and all the benefits associated with it, rather than having to sell up, in the event of your death prior to repayment of the mortgage loan.Mortgage insurance enables you to avoid leaving a significant debt for your surviving spouse and children. This plan enables your loved ones to keep the house and all the benefits associated with it, rather than having to sell up, in the event of your death prior to repayment of the mortgage loan.
We will help you understand the different options available for covering your mortgage.

For small business or medium size businesses, your organization is unique. Whatever your group size or benefits goals, we have the knowledge and tools to help identify and meet your needs. Find out more about the variety of benefits and services we offer like Healthcare and Dental Care benefits that are important features of any group benefits plan. These benefits help your plan members bridge the widening gap between provincial health insurance plans and the coverage your members and their families need.