Our Services
Life Insurance
Life insurance is crucial for protecting your loved ones and securing your financial future. We offer several types of life insurance to meet your needs. Term Life Insurance provides coverage for a specific period, typically 10, 20, or 30 years, making it ideal for young Canadian families needing temporary coverage for obligations like mortgage payments or income replacement. Whole Life Insurance offers lifelong protection with fixed premiums and a savings component that builds cash value over time, perfect for those looking for a stable investment that also provides a death benefit. Universal Life Insurance combines life insurance with a flexible savings component, allowing you to adjust premiums and death benefits as your financial needs change. Participating Life Insurance lets you receive dividends based on the insurer's profits, offering potential cash value growth in addition to the guaranteed death benefit, making it ideal for those looking to share in the success of their insurer.
Health Insurance
Health insurance is essential for managing medical expenses and maintaining your well-being. Our Critical Illness Insurance pays a lump sum if you're diagnosed with a serious illness like cancer, heart attack, or stroke, which you can use for medical treatments, household bills, or any other expenses. Disability Insurance provides a portion of your income if you become unable to work due to illness or injury, helping you maintain your standard of living and cover essential expenses during your recovery. Long-Term Care Insurance covers the costs of long-term care services, such as home care, assisted living, or nursing home care, ensuring you have the necessary support as you age without depleting your savings.
Accident & Sickness Insurance
Accident and sickness insurance ensures you’re covered for unexpected events. Accident Insurance offers financial support if you're injured in an accident, with benefits that can be used for medical bills, lost income, and other related expenses, allowing you to focus on recovery without financial stress. Hospitalization Insurance provides a daily cash benefit during hospital stays, which can help cover additional costs like childcare, household bills, and other expenses not covered by standard health insurance. Travel Medical Insurance ensures you have access to quality medical care while traveling abroad, covering emergency medical expenses, evacuation costs, and other travel-related health needs, giving you peace of mind on your journeys.
Group Insurance
Group insurance plans provide comprehensive coverage for employees, enhancing workplace benefits. Group Life Insurance offers life insurance coverage to employees, providing financial support to their families in case of death, and enhancing your benefits package to promote employee retention and satisfaction. Group Health Insurance covers medical expenses for employees, including doctor's visits, prescription drugs, and hospital stays, promoting a healthy workforce and reducing absenteeism. Group Disability Insurance provides income replacement for employees who cannot work due to illness or injury, supporting them during their recovery and ensuring they can meet their financial obligations. Group Critical Illness Insurance offers financial protection to employees diagnosed with serious illnesses, helping cover treatment costs and other expenses, reducing the financial burden on employees and their families.
Annuities
Annuities are financial products that provide a steady income stream during retirement. Immediate Annuities begin paying out income shortly after a lump-sum investment, making them ideal for those nearing or in retirement who need a reliable income stream to maintain their lifestyle. Deferred Annuities allow you to invest money that grows tax-deferred until you're ready to receive payments, providing a future source of income to help you plan for a comfortable retirement.
Business Insurance
Business insurance protects your company from financial losses due to unexpected events. Key Person Insurance provides a payout to the business if a key employee or owner passes away, helping cover the costs of finding a replacement and maintaining operations, ensuring the business can continue smoothly. Business Loan Protection Insurance ensures your business can repay loans if a key individual becomes disabled or passes away, protecting your financial stability and maintaining lender confidence. Disability Business Overhead Expense (BOE) Insurance covers ongoing business expenses if you become disabled, keeping your operations intact by covering rent, utilities, salaries, and other essential costs. Disability Buyout Insurance provides funds to buy out a disabled partner’s share of the business, ensuring smooth continuity and control, protecting the interests of all partners and the future of the business.