Life/Disability


Life Insurance

Ensuring your family is protected in the event of a tragedy is one of the simplest, most important and caring things you can do.

Life insurance provides a tax-free benefit to your beneficiaries upon your death. This money can help them:
• Pay off mortgages, loans and debts
• Maintain their lifestyle and pay day-to-day expenses
• Pay for your children's education
• Cover expenses such as funeral costs

Life insurance can be tailored to suit your budget, lifestyle and needs at every stage of life. It offers the flexibility to make changes as your needs evolve.

Our products include:
• Affordable term life insurance
• Permanent life insurance to help you plan for the longer term.
• Universal life insurance which allows you to build towards future wealth
• Personal accident insurance which protects you and your family from the financial consequences of a fatal accident.

Disability Insurance

A serious illness or sudden accident can happen in an instant – leaving you unable to work and earn money. While your other health insurance can help with the medical bills you may need disability income protection insurance to help replace lost income. We can offer you a plan tailored specifically to your unique needs.

Other Health Insurance Products

Long-Term Care Insurance - the high cost of long-term care, combined with the fact that the provincial medical plan provides only limited coverage, can mean thousands of dollars in out-of-pocket expenses should you ever require long-term care. This product can help fill that gap and allow you to maintain more control over your future.

Critical Illness Insurance – cancer, a heart attack or stroke can bring about a range of challenges such as choosing care, providing for your family and more while also coping with your illness. This product can provide a lump-sum benefit payment that will help you maintain your independence, provide better access to medical services or use in another way to assist with your recovery.

Hospital Insurance – if you are hospitalized because of an accident or illness, your government or employer health plans may pay for only some of the costs. Things such as a private or semi-private room, in-home care, and personal expenses such as child care or domestic help and loss of income may not be covered. Our hospital insurance plans can help cover these costs by providing a tax-free benefit you can use in any way you wish.

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