• Term Life Insurance
  The most economical type of life insurance, term life insurance provides coverage for a limited period of time, at guaranteed premiums. At the end of the term, the insured may have the option to continue the coverage at higher premiums. Term Life Insurance is generally used to provide coverage for temporary financial responsibilities of the insured, such as a debt or mortgage that will run for a specified period of time.
• Whole Life Insurance
  Designed to be in place for the insured's entire life, it provides both a guaranteed death benefit and a guaranteed cash value, for a fixed or guaranteed premium amount. The cash value can be used to purchase a life annuity, pay for policy premiums or can be borrowed against.
• Universal Life Insurance
  Like Whole Life Insurance, Universal Life Insurance is a type of permanent life insurance; however, if differs in that it is made up of two parts: term life insurance and an investment account. After the administrative expenses have been paid, the remainders of the premiums are deposited into an investment account which collects interest each month. Universal Life Insurance is used as a tax-advantaged way to purchase life insurance, since not only is the death benefit tax sheltered but part of the investment income is as well.

• Disability Insurance
  Insures the beneficiary's earned income against the risk that disability will make working impossible. It is designed to pay a predetermined amount per month in the event of a disability. Disability policies have three main components, the benefit amount is the monthly income the insured will receive, the elimination period is the 'waiting' period before benefits start and the benefit period is the length of time the benefits will continue.
• Critical Illness Insurance
  Is designed to complement life and disability insurance coverage. It provides a lump-sum cash benefit directly to the insured, if they are diagnosed with one of the conditions described in the contract and survives the waiting period (generally 30 days). Conditions include heart attack, stroke and cancer.
• Long Term Care Insurance
  Provides the funds needed for health and personal care for individuals who are unable to care for themselves. These services can be performed in or out of the insured's home. Benefits are generally paid on a per day or per month basis and lifetime maximums are determined for each policy.
  
  With Long Term Care Insurance, two generations are protected: parents and children. It helps parents maintain their lifestyle and financial security by giving them the resources they need to remain independent, even in the face of a serious health set back that may require one spouse to care for the other. It gives children the alternative to providing their parents with the care themselves.
  
  Long Term Care pays a benefit if the insured loses the ability to care for him/herself, due to cognitive impairment or a condition that results in inability to perform two or more activities of daily living and requires the services of a long term care facility or professional assistant at home.

Health & Dental Insurance

• Competitive rates on great health and dental insurance protection
• Are you covered by a group or corporate benefits plan?

• Competitive rates on great Travel Insurance protection
• We can help you structure a Plan that offers coverage that best suits your unique travel needs.
  • Travelling to the U.S. or Europe
  • For Canadians away from their home province
  • For Canadian and International Students
• Single Trip Coverage
• Multi-Trip Coverage