Life Insurance: For those you love
Life insurance provides safety and security for those we love by paying out a tax-free lump sum upon death to the named beneficiaries.
Life insurance is most commonly used to:
- Cover final expenses
- Pay off mortgages or loans
- Eliminate tax liabilities at death
- Replace lost income for surviving spouse and children
- Provide funds for child care and education
- Provide gifts to your heirs and favourite charities
Businesses use life insurance to deal with the financial implications of the death of a partner (buy/sell insurance) and that of a Key-man.
One of the most frequently asked questions that we get is “do I have enough?” A comprehensive analysis of your assets and expenses will help us to determine what your needs are. You can have peace of mind knowing that your loved ones will have all of their financial needs looked after.
Another question we get asked is “what type of life insurance should I get?” There are essentially two different types of life insurance policy: term and whole life. We can help you to determine which one is right for you.
Disability insurance: Protect Your Income, savings, and Lifestyle if you are unable to work
Disability Insurance protects your most important asset – Your ability to earn an income.
Disability insurance works when you can’t. It can give you tax-free monthly income to help pay expenses if an illness or accident stops you from working.
If you had to take time off work unexpectedly because of an illness or injury, would you and your family be able to continue living the lifestyle to which you’re accustomed? Disability coverage provides a monthly sum of money to replace earned income when an illness or accident causes a prolonged disability. It is often the most neglected personal insurance need and yet the most important type of coverage. There are many options for disability insurance and coverage requires an in-depth review to customize a solution. Get started by contacting us today.
Health & Dental
If you’re self-employed, retiring, or in-between jobs, you can supplement your Ontario Health Insurance Plan (OHIP) with an individual Health and Dental insurance plan and start saving on out-of-pocket medical expenses.
Critical Illness Insurance: Recover from a Serious Illness
Critical illness insurance can give you financial security and valuable support services to help cope during a challenging time. So that, you can focus on your recovery knowing that you have money to help with your expenses if you’re diagnosed with a serious illness.
Critical illness insurance provides a lump sum tax-free payment if you are diagnosed with a serious condition. Know that you have financial security and valuable support services while you recover.
Travel Insurance: Out of province emergency medical
Medical Expenses in a foreign country can be expensive – get out there and enjoy yourself knowing you have the right coverage and 24/7 access to a caring team who’s always on call—no matter how big or how small the emergency. Aside from emergency medical, travel insurance can also cover expenses arising from trip cancellation and trip interruption.