A tax free lump sum payment made to your beneficiaries upon your death to help cover your temporary and/or permanent needs.  The three types available are:    Term Life Insurance:  Lowest cost and best used for temporary needs such as:  Mortgage & loan insurance  Spouse income replacement  Emergency fund  Education fund  Product Details 10, 20, 30 year terms & term to age 65  automatically renews at the end of each term but premium increases.  Convertible to Permanent Insurance or Universal life to a certain age.   Policy has expiry date    Participating Life Insurance:  Best used for Permanent needs such as:   Final expenses  estate conservation  providing tax free inheritance to loved ones.  corporate asset transfers  Product Details level cost, premium…

Your ability to earn an income is your greatest asset.  Disability Insurance provides you a monthly tax free benefit while you are unable to work due to accident or illness to maintain your standard of living.     Mortgage and loan payments  Buy food & clothing  Pay bills & lifestyle expenses  Continue child's education savings plans  Continue retirement savings plans  Pay for additional costs associated with your disability    Product Details Cancelable or Non Cancelable by insurance  company  Policies that are built to cover your occupation  benefit start date from time of disability 30 days to 720 days  benefit periods 2, 5, 10 years or to age 65  partial disability  cost of living adjuster…

Having a plan  in case the unexpected occurs is very important. If you experience a critical illness, a one-time tax free lump sum cash payment is payable to you after living for 30 days from date of diagnoses and can help you:    Cover medical expenses not covered by government or workplace plans  Afford alternative treatments  Pay bills & lifestyle expenses  Concentrate on recovery instead of worrying about finances  Avoid dipping into retirement savings, setting your retirement plans back  Allow spouse to take time off to help you through the illness  Bucket list items when faced with a shortened life-span    Covered Illnesses Basic Plan - Heart attack, Cancer…

Individual Health & Dental Insurance plans are beneficial for self employed, individuals without a group plan through employer or spouse and those retiring that are losing their benefits.  These include coverage such as:    Prescription drugs  Dental care  Eye exams  Paramedical services  Ambulance services  Medical supplies  In-home nursing care  Travel Insurance riders    Core to Elite plans are available.  Guaranteed acceptance or  medically underwritten. 

Full Provincial Healthcare doesn't cross the border with you.  Travel Insurance coverage helps with:    Single or multi-trip options  Emergency medical  care  Ambulance services  Hospitalization