Life Insurance
Life Insurance policy is a contract between the insurance company and yourself that will financially protect your loved ones, in the event of your death/upon your death . The insurance company guarantees to pay a sum of money (the death benefit) to your beneficiaries, tax free.
Mortgage Insurance
Congratulations on buying your new home! Now is the right time to consider the best way to insure your mortgage and make sure that it is paid out in the unfortunate event of your death.
When is the right time to apply for Insurance? Now!
Premiums are based on age, smoking status, overall health and lifestyle so it makes sense to apply sooner rather than later. Also, any changes in health might affect your ability to qualify for insurance in the future.
Disability Insurance
Disability Insurance (or Income Protection) will protect you from loss of income, due to injury or illness, and provide income by paying you a non-taxable benefit for as long as you are unable to perform the important duties of your job.
Critical Illness Insurance
A Critical Illness Insurance policy will provide a lump sum to help you financially if you are diagnosed with a major illness or health condition (serious heart condition, stroke, cancer, etc.).
Health and Dental Insurance
If you do not have Group Benefits through work an Individual Health and Dental insurance will reduce your out of pocket expenses by providing supplemental coverage to government programs (e.g. MSP, OHIP).
Travel Insurance
Travel insurance protects you, your family or visitors to Canada from unexpected costs that can occur due to an unforeseen medical emergency during a trip or an unexpected trip cancelation or interruption. Without it, you may be left to pay significant expenses out of pocket.
Insurance Planning for Business owners
Group Benefits, Health Spending Account (HSA), Buy Sell Insurance, Key Person Insurance and more.
By offering your employees Group Benefits, Health Spending Account or setting up a Buy Sell Insurance or Key Person Insurance you can protect your employees and your business, maintain productivity, and attract and retain key talent in a tax efficient way.