The best time to address your insurance needs is when you are young, healthy, and can afford it. We will analyze your current needs as dictated by your goals in life and put in place products that will guarantee your income in the event of a death, disability, or sickness.
Term Life Insurance
Term life insurance is the most affordable coverage for life insurance. Young families on strict budgets find great value in term insurance to protect their family while they are working on saving for the future. One of the most popular uses of term life insurance is to cover your mortgage balance.
Permanent Life Insurance
Your need for life insurance does not typically end at retirement. You must consider the impact of taxes on your retirement funds or estate. Few people consider the loss of government benefits or pension on the death of a spouse and life insurance is the only method to guarantee these shortfalls can be addressed when dollars are needed most.
Critical Illness Insurance
Cancer affects nearly 1 in 2 people in Canada. Critical Illness insurance offers a lump sum payout upon diagnosis and survival of a critical illness (exact terms are in the policy). These funds can be used to help pay for medical bills, special treatments, parking and travel expenses, or allow a family member to take time off to help take care of you.
Create a plan customized to your needs and budget to protect you in the event of a disability. Your ability to earn in an income in your biggest asset, and it makes sense to protect that.
Health and Dental Insurance
Affordable plans that offer coverage for drug, dental, vision, and extended health benefits.
Medical expenses incurred outside of Ontario may not be covered by the Ontario Health Insurance Plan (OHIP). Spend your vacation worry-free by purchasing travel insurance ahead of time.
We shop the market to make sure you get the best value for the dollars you spend at no cost to you.