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Insurance

We believe it's important to address a client's financial security by providing insurance coverage

in the event of death, disability or critical illness. We strive to do a thorough analysis and devise appropriate solutions to fit our client's specific insurance needs.

Owning life and health insurance is a critical step towards securing your financial future. It offers peace of mind, knowing that you and your loved ones will be protected against unforeseen events.

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 Life insurance guarantees

 that your family will have

 financial stability, while

 health insurance covers

 medical expenses, enabling

 you to prioritize your

 recovery without the stress

 of financial strain. Investing

 in these insurances is a

 powerful move to safeguard

 both your and that of your family.

When do you need insurance?

Buying a home

Starting a family

Life insurance utilized is a type of insurance designed to pay off a mortgage if the borrower dies with the proceeds going directly to your beneficiaries, fully tax-free.

Obtaining insurance on your child can help cover funeral costs and allow time for grieving. This also guarantees the option for them to convert to an adult policy without needing a medical exam - this will save costs if or when their health declines.

What life insurance is available to me?

Term Life Insurance

Getting married

You're now making financial decisions as a couple. Life insurance can help keep 1 spouse's death from financially devastating the other.

Term life is affordable coverage for your big expenses, so your loved ones are protected when it matters most.

Permanent Life Insurance

Experience the peace of mind that comes with whole life insurance. Beneficiaries receive tax-free payouts at time of death, ensuring and safeguarding their financial security. Your policy will also grow tax-deferred in value over time, providing flexibility for you to access the funds through loans or withdrawals. It’s essential to ensure that your debts are fully addressed, preventing any burdens from falling on your family.

Disability Insurance

Disability insurance provides financial protection for individuals unable to work due to illness or injury

by covering medical care and rehabilitation services. It is generally exempt from income tax and offers

a renewal guarantee, which ensures that coverage remains intact even if their health deteriorates.

Critical Illness Insurance

Critical illness insurance is a living benefit that provides financial support directly to you upon diagnosis of a covered critical illness, unlike life insurance, which pays beneficiaries after your death. This coverage can ease the financial burden during recovery, allowing you to use the lump sum payment as needed, such as for:

Cover the costs of treatments not included in your provincial health insurance, such as private nursing, physical therapy, or medical devices.

Make up for your lost income while you're unable to work and assist with everyday expenses like childcare, allowing you to focus on your recovery.

Safeguard your retirement savings and investments by avoiding the need to access them.

There are different types of life insurance to suit the needs of different people. Talking with our insurance specialist is built in to our free consultation policy; get connected to learn more today.

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