Term Insurance

Term Insurance provides coverage for a specific time period.  For example 10, 20 or 30 year term.

 When the Term ends you make no more payments and your protection ends. Your premiums are non-refundable.

 Term Insurance is relatively inexpensive when you are young and is ideal to protect families against large obligations that are temporary in nature (for example when children are young, and expenses are highest such as in a large mortgage).

 Term Insurance typically renews at intervals without medical evidence. These renewals are relatively expensive due to increased age and the unknown health of the insured.  However, re-applying for Insurance with current medical evidence may reduce Term Insurance premium costs.


 

Permanent Insurance

Permanent Insurance Policies never expire.

Permanent Insurance policies accumulate cash value, which can be used to help defray premiums, help save for retirement, be borrowed against or used to meet other investment objectives.

These policies are a reliable tool for business succession planning and for long-term estate planning.Type your paragraph here.

Life Insurance

Disability Insurance

For most working people, disability insurance is one of the most important coverages to have in place.  Being unable to work for six or twelve months due to a disability may make it difficult to pay the mortgage or put food on the table.

 For disability, it’s all about the definitions! If you are trained as a Chartered Accountant, incur a brain injury, yet can still do factory work then your “any occupation” disability policy will not pay you!

 When did you become disabled? Some coverage only protects you during work hours.  As well, some policies only protect you from injury and not illness.

 

Critical Illness Insurance

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Universal Life

Universal life insurance is a flexible type of permanent life insurance that combines protection and savings
You choose a guaranteed death benefit that will be paid to your beneficiaries
The payments you make above the cost of insurance can be invested within the policy to earn tax-deferred growth


Group Benefits

Well-managed Group Benefit Plans are vital in aiding employee retention and morale.  All employees are able to participate in group plans without discrimination, offering a cost effective, tax effective way to protect and compensate employees.

 Obtaining a quote to establish a Group
Benefit Plan or for your existing plan is easy.  A firm can be insured with as few as two employees! Establishing a new Group Plan or switching Group Plan providers can be relatively simple and result in savings into the thousands and can actually improve the Group Benefit Plan overall!