You can’t predict the future, but you can prepare for it
Insurance isn’t an easy topic for anyone to discuss. We offer a holistic approach, asking the right questions and uncovering what’s most important to you, making sure you’re comfortable every step of the way.
You could have pre-existing conditions, live a high-risk lifestyle, or have a family you want to ensure is financially secure in case the worst happens. Our solutions are designed to keep your unique values, needs, and lifestyle in mind.
Use term life insurance to protect your family in case the unexpected happens to you. It’s the most cost-effective way to provide large amounts of money at your death so that your loved ones will be financially secure after your passing away.
Term life insurance is a type of life insurance that provides coverage for a pre-determined amount of time. Term policies can be taken out for shorter or longer periods of time, typically 10, 15, 20 or 30 years, and the premiums remain level during the duration of the policy. The death benefit pays out a fixed amount to beneficiaries if the insured person dies within this period. This type of policy appeals to people who are looking to protect their loved ones financially in the event that they pass away unexpectedly.
Families, individuals and business owners all benefit from having term life insurance in place. Individuals may want to purchase term life insurance as part of their financial plan to ensure their family or dependants are cared for in case something happens to them unexpectedly. Business owners can also use term life insurance policies as part of succession planning strategies when designing an exit strategy. Term life insurance can offer peace of mind and financial security for any number of reasons – it’s an important piece in any comprehensive financial plan.
Permanent Life Insurance lasts a lifetime, so you know your family will receive a payout, no matter how long you live. Plus, some policies contain cash value that grow in a tax-sheltered manner so you can use it to supplement your retirement.
Permanent life insurance, also known as whole life insurance, is a type of life insurance policy that lasts for the insured person’s entire lifetime. Unlike term life insurance, which has a maximum time period, permanent policies offer lifelong coverage at steady premiums. Permanent life insurance policies also have a cash value component that accumulates over time and serves as a sort of savings account with death benefits attached, providing both financial protection and greater financial flexibility for policyholders.
Individuals looking for lifetime protection as well as an additional source of funds may benefit from permanent life insurance. Because the policy pays out regardless of when the insured person passes away, it can be used to cover funeral expenses or provide funds to help surviving family members manage their day-to-day living costs. It can also be used as an investment vehicle, with policyholders leveraging the cash value component of their policy to supplement retirement income or fund other investments. Business owners may use permanent policies to create a legacy gift by ensuring their business will continue to run even if they pass away suddenly or unexpectedly. No matter your goals or needs, permanent life insurance is a powerful financial tool offering significant long-term benefits.
Complicated medical history? Unique lifestyle that makes you hard to insure? Want to skip the medical exam? Or maybe, you want insurance fast? Is this you? We have a solution!
Non-medical life insurance, also known as simplified issue or no medical exam life insurance, is a type of life insurance policy that does not require the insured person to undergo traditional medical examinations. Instead, the underwriting process for non-medical policies is based on information already collected by the insurer such as age, lifestyle and occupation. Approval of a policy can be granted much faster than with traditional policies and premiums are typically lower since they don’t include expenses associated with examinations.
Non-medical life insurance is an attractive option for individuals who may be at risk of being denied traditional coverage or want to avoid lengthy and costly examinations. It’s also ideal for people who lead busy lifestyles and don’t have time to take part in multiple medical assessments or those who have existing health declarations that would exclude them from getting approved for traditional life insurance policies. People looking for a quick and easy way to purchase coverage without compromising on quality will benefit from non-medical life insurance policies.
Your greatest asset is not your home, it’s your ability to earn an income. Disability insurance protects your greatest asset by paying an ongoing benefit to you while you’re unable to continue performing the daily tasks of your occupation.
Disability insurance is a type of policy that provides income protection in the event that an individual is unable to work due to injury, illness or disability. Depending on the policy, replacement income can generally be used for basic living expenses like rent, groceries and medical bills. Disability insurance typically offers two levels of coverage: short-term disability insurance compensates individuals with reduced earnings for up to two years; long-term disability insurance covers losses for longer periods of time, often up to five or more years depending on state laws.
Individuals who rely on their income to meet day-to-day expenses should consider getting disability insurance. It’s especially important for people with hazardous jobs or anyone in a line of work where injuries are common. Even if you don’t have existing health conditions, life circumstances such as an accident or illness could leave you unable to work and without other sources of funding. Disability insurance can provide financial stability and peace of mind knowing that your essential costs will be taken care of during long periods off from work.
Critical Illness covers you in case you suffer from 1 – 25 illnesses. It pays a lump sum amount in the event you survive a critical illness. Common covered conditions include cancer, heart attack, and stroke.
Critical Illness insurance is a type of policy that provides financial assistance for individuals diagnosed with a severe medical condition. It helps to protect against potential losses due to expensive treatments and other associated costs that may not be covered under traditional health insurance. Depending on the coverage, policyholders may be eligible for lump sum payments, monthly installments or combination of both upon diagnosis of a critical illness. Commonly covered illnesses include cancer, heart attack, stroke and many other serious medical issues.
Critical Illness insurance can provide much-needed relief for people living with chronic medical conditions or those recovering from a major illness. In addition to providing financial stability while off work due to illness, Critical Illness policies can also help cover related expenses such as transportation and lodging costs if treatment needs to be done at a remote facility. It can also provide support for things like physical therapy, home care services or any other full-time help needed during recovery. Individuals looking for an extra layer of protection should consider investing in Critical Illness insurance.
Long term care insurance protects your retirement by making sure the cost of a nursing home doesn’t drain your funds. You get a weekly benefit if you lose your independence.
Long term care insurance is designed to provide financial assistance for individuals needing assistance with everyday activities due to injury or progressive illness. Examples of services covered under this type of policy include nursing home care, assistance with bathing and dressing, meal preparation and transportation. Depending on the plan, some policies may even cover in-home health aides or respite care for caregivers.
Long term care insurance can provide a level of security for families faced with the high cost of ongoing medical needs. It’s particularly beneficial for those who do not have sufficient funds to cover long-term care expenses out-of-pocket. The policy can also help alleviate financial burden from family members needing to take time off work to provide care for a loved one. It is important to note that long term care coverage does not replace traditional health insurance but adds a supplemental layer of protection against unexpected financial strain. Individuals looking for additional security should consider investing in long term care insurance.
Health insurance reimburses you for medical expenses like prescription drugs, dental, and paramedical services. It’s great for self-employed, contractors, and those without coverage from an employer.
Health coverage in Canada is provided by both the federal and provincial governments, however a great Health Insurance policy will help pay for things not covered by the government. Different provinces and territories may offer different levels of coverage for these types of services, so it’s important to familiarize yourself with the available plans in your region.
Canadian health insurance can provide financial security for individuals who want to reduce their risk of expenses for prescription drugs, dental services, and even paramedical services. It is particularly beneficial for those who do not have enough funds to cover their medical expenses out-of-pocket.
Questions?
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Group Benefits: A solid benefits program for your staff will foster the development of an optimal workplace. Health and wellness is a key philosophy in your business, and we’ll help tailor a solution increase staff buy-in and provide the safety of sustainable premiums.
Already have a benefits program?
We’ll provide a complimentary assessment of your existing plan and offer our recommendation of possible alternatives. Our goal isn’t to change your mind, it’s to discover if there’s a solution that will provide more value to your staff than your existing plan.
