Insurance Coverage
Created For Life
Determine insurance coverage that's right for you.

Life Insurance
Life changes often, so your life insurance should be able to keep up. There are two types of coverage; Term and Permanent. Term is short term coverage designed to cover off risk for a set period of time, and permanent is long term coverage, guaranteed to payout upon death, no matter what age that might be. Permanent coverage products also give you the ability to build cash surrender value inside your policy. This means you can also benefit from unique planning strategies while you are alive.

Living Benefits
We cannot control what happens in life, but we can control how we respond to it. Living benefits offer income protection while you are still alive.
Critical Illness Insurance provides a tax-free lump sum benefit if you have been diagnosed with a contractually defined illness, and survive the elimination period. Plans can be designed as term coverage or permanent coverage to support your continued needs.
Disability Insurance pays you a tax-free monthly benefit that is based on your annual earned income. It’s designed t0 assist you in taking care of your financial needs if you are no longer able to work, due to an illness or injury.

Corporate Insurance
Corporately Owned Life Insurance is owned and paid for by a holding company or an operating company. All types of life and living benefit coverages can be owned within a corporate structure. These products are used to cover off various corporate needs. To name a few of these uses; Funding Shareholder Agreements, Covering off key persons to protect against loss of income, providing coverage for future liabilities, and for growing retained earnings in a tax deferred environment.
Insurance is an instrumental component within the planning toolbox. When used effectively it can form the foundation of your financial success.

Segregated Funds
Segregated Funds are insured investment funds , also known as ‘variable life insurance contracts’. Many people are familiar with the benefits of mutual funds. Segregated funds offer these same benefits - and more. They offer principal guarantees on maturity and death, and they also offer creditor and probate protection. Segregated fund contracts can be purchased for all registered accounts, including RRSP, RRIF, LIRA, LIF, TFSA, RESP, as well as Non-Registered accounts.
Explore how segregated funds can add value to your situation, and why they may be beneficial for your future needs.

Travel Insurance
Travel Insurance is designed to cover travelling Canadians for, emergency medical expenses, trip cancellation, lost luggage, and unexpected risks that may arise while travelling within and outside of Canada. Travel insurance gives you peace of mind so you can make the most of your trip. Purchase a plan designed for your needs; emergency medical only, or all-inclusive plans, as single trip or multi-trip packages.
Gain coverage and protection designed for your specific lifestyle and goals.
Let us pair you with a product and strategy you can count on.
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We are a team of collaborative professionals with industry-leading expertise, devoted to helping you gain access to the coverage and services you need. Maximize products and utilize strategies, backed by our support and years of experience.
