- Insurance Coverage for all of your needs -

Life can be unpredictable. Help protect yourself from the unexpected with life, disability, critical illness and long-term care insurance. Whatever your situation, we will put together the right insurance solutions to allow you peace of mind.

When you work with us, we will:

Identify Your Short- and Long-Term Objectives
As your objectives change, from income replacement to estate planning, we will adapt your plan to include products specific for your needs. 

Conduct a Risk Analysis to Determine Needs
By conducting an insurance needs analysis, we will be able to determine where there are coverage gaps, and identify your insurance needs.

Outline and Implement a Risk Management Strategy
Once your needs have been identified, we will recommend specific insurance products to cover the risks identified, and work with you to put them into place.

Insurance Planning Tools:

Life Insurance
Whether covering final expenses, securing family or business income, or building a legacy, we offer a broad range of term and permanent life insurance options to help meet your needs now, and down the road.

• Term Insurance: Coverage that fits comfortably in your budget and adapts to your changing lifestyle, income and needs.
• Whole Life: Products that offer protection for life, plus tax-advantaged investing with guaranteed premiums and cash values. Idea for clients in need of estate protection and/or wealth accumulation.
• Universal Life: Protection for life, plus flexible, tax-preferred investment options to help increase the death benefit amount.

Disability Insurance
Disability insurance helps protect your income and business if you become disabled and can't work. With different products available for full-time, part-time or home-based workers, disability insurance is the perfect solution for professionals, business owners, business executives and other employed Canadians. An individual disability insurance plan can help you meet your income requirements so you can concentrate on recovering and returning to an active life.

Critical Illness Insurance
Critical illness helps cover the unexpected cost and potential loss of income associated with a serious illness. From the additional costs associated with medicine and treatment, to travel, home care and specific accommodations if needed, treating and recovering from an illness can have a devastating financial impact.  With CI insurance, if you become sick with one of the condition covered by your policy, you receive a cash benefit to be used as you see fit.

Insurance Solutions for Business
We recognize that business owners will have insurance needs specific to their situations, and will work with owners to develop customized plans. Products specific to business needs include, but are not limited to, buy-sell insurance, expense overhead coverage, disability, and key person insurance.