Individual Services
Comprehensive products to protect you and your family.
Whether you are buying a new home, having your first child, protecting your income against a disabling illness, planning for the continuation of a business, or preventing the unnecessary taxation of your estate, everyone needs some insurance. We recognize that every client is unique and has different objectives. We will be pleased to assist you in evaluating your insurance requirements and to help you in determining which products may be most appropriate. As brokers, we represent most insurance companies and are therefore able to make objective recommendations that always put the client's needs first.
Life Insurance
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For most people, their lifetime earnings potential is their greatest financial asset. Without this income, their lifestyle and standard of living could be at risk. The major role of life insurance is to replace income lost because of death and to provide capital to settle an estate. Other uses of life insurance include:
•Leaving a bequest to a charity
•Funding a child's education
•Key person protection
•Buy sell protection
•Mortgage protection
•Supplementary retirement income
Disability Insurance
Short Term Disability benefits provide coverage for illness or injury occurring on or off the job.
Long Term Disability benefits offer protection in situations where disease or injury prevents an employee from working for an extended period of time.
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This employee benefit provides a monthly income based on a percentage of earnings. A variety of options are available, allowing the plan to be tailored to your needs. Read More
Critical Illness Insurance
Critical Illness Insurance is designed to complement disability insurance and provide a non-taxable, lump sum benefit should the insured be diagnosed with a critical illness. While disability insurance protects one's income, Critical Illness Insurance helps one to manage the extra costs associated with the illness and therefore allows one to rebuild or maintain his/her lifestyle after suffering the illness. Read More
Emergency Travel Insurance
Few people can afford the financial burden of an unexpected injury or sickness while traveling. A medical emergency may require hospitalization or emergency transport home. Expenses for these and other services can be very significant, often much higher than in Canada. In most cases, Provincial Health Insurance Plans will not provide adequate protection for these and other risks. Travel Medical Insurance is designed to cover losses resulting from sudden and unforeseeable events. Read More
Individual Health Plans
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Many people are without an employer sponsored group health plan and are therefore vulnerable to health care costs not covered by their Provincial Health Insurance Plan. An Individual or Family Health Plan will cover many of these out-of-pocket expenses.
Many incorporated, unincorporated and self-employed people can deduct their health insurance premiums from their annual income resulting in a tax savings and therefore reducing the cost of the plan. Read More
Corporate Retirement Solutions
Federal Tax changes (effective January 1, 2019) to the taxation of passive income earned by a "Canadian controlled private corporation" in excess of $50,000 per year, will reduce or eliminate your small business income deduction.
Utilizing permanent Life insurance in your corporation, may be a very effective vehicle to supplement your personal retirement. Read More