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PERSONAL INSURANCE PACKAGES
LIFE INSURANCE
LIFE INSURANCE
With established relationships with numerous carriers, we can put together a reliable and inexpensive life insurance policy that offers the highest level of protection for you. Get in touch to book a free estimate from one of our experienced consultants.
WHY DO YOU NEED DISABILITY INSURANCE?
While most people are familiar with life insurance and may already have this type of coverage to provide for their families in the event of their death, many aren’t aware of the financial distress that could occur if they experience an injury or illness that renders them either temporarily or permanently disabled.
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Disability is more prevalent than you may think
In the event an injury or illness leaves you unable to work, how will you make up for lost wages, cover medical costs and pay your living expenses such as your mortgage, utilities and groceries? Unfortunately, almost half of all working Canadians don’t believe they have enough funds to cover expenses if they are unable to work.
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While the government compensates employees with disabilities through the Canadian Pension Plan (CPP), you must contribute to the plan and meet strict eligibility requirements. If you’re employed, this means paying half of the contributions, but if you are one of the more than 33% of self-employed Canadians are expected to make the
full contribution and self-fund your disability insurance. Personal disability insurance ensures you receive the protection you need – no matter if you’re self-employed or receive benefits from an employer – without having to jump through hoops to receive your benefit when it’s needed the most.
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Disability coverage can insure against the loss of income due to injury or illness that prevents you from working by providing you with a monthly income replacement that can be used for anything you need – from paying medical bills to ensuring your family is still able to make car payments.
CRITICAL ILLNESS INSURANCE
With increased life expectancy and medical advances, the risk of living with a serious illness is significant, and the cost is skyrocketing. Government health care programs provide only the basics. Depending on your needs. With CI policy:
You can keep you and your family in your home;
Keep your business viable;
Cover the cost of extended health care requirements; and
Allow you to undertake out-of-country or alternative therapies.
VISITOR INSURANCE
THE IMPORTANCE OF TRAVEL MEDICAL EMERGENCY INSURANCE
In 2019, Canadian residents took more than 56 million trips outside of the country, according to Statistics
Canada. For many, travelling abroad is a necessity for conducting business and visiting family. For others, it’s a chance to explore the world and make memories. The reasons why, how and where Canadians travel are diverse, but
everyone hopes their trips go smoothly.
No one can predict when a medical emergency will strike, so it’s incredibly important to be prepared for every
scenario before embarking on your next adventure. Travel medical emergency insurance provides travelers with peace of mind, knowing that if something happens while they’re out of their province, they can receive quality care and financial protection.
MORTGAGE INSURANCE
THE BENEFITS OF MORTGAGE INSURANCE
When you buy mortgage insurance from your bank:
The bank owns the contract and is the beneficiary;
The amount of your mortgage insurance coverage will decrease as the balance of your mortgage decreases while your premium will remain the same; and
You cannot convert to a permanent plan and it ends with mortgage.
If you buy your mortgage insurance from an insurance company:
You own the contract and can name any beneficiary you want. Your beneficiary can choose to repay the loan, pay his or her debts or use the benefit for something else;
The amount of mortgage insurance coverage you buy from an insurance company will remain the same for the duration of the loan. For example, if you have a $200,000 mortgage and buy $200,000 in coverage that you will keep year after year;
Your premium is fixed and guaranteed; and
You can convert your mortgage insurance to permanent life insurance, as needed, throughout the term of your loan. Your premium will not increase; and you will not have to undergo a medical exam. The policy will remain in force until your death.
CREDIT INSURANCE
INCOME PROTECTION
Credit Insurance provides income protection for your mortgage, personal loans, lines of credit and even rent. Credit Insurance can be purchased from a bank or from an individual insurance provider to save up to $5,000 in premium payments.
HEALTH BENEFITS
The flexibility of the claim systems enables us to customize our clients' Health Benefits coverage to meet their specific needs, allowing them to provide the coverage levels their Plan Members need. Plans can provide full coverage or include plan member paid deductibles or co-payment amounts. Health coverage can be designed to include:
Coverage for paramedical practitioners, from athletic therapists to psychologists;
Convalescent home services;
Ambulance services;
Private duty nursing care;
The appliances and supplies employees need to recover from accidents or
illnesses;
Prescription drug coverage (including pay direct services);
Coverage for hospital stays and associated expenses;
Vision care services;
Dental accident;
Coverage for expenses incurred while an employee is outside of their province of residence;
Travel assist (Out of country emergency coverage);
Other medical expenses not covered under provincial health care plans; and
Survivor benefits.
LONG TERM CARE INSURANCE
DESCRIPTION OF COVERAGE
Long Term Care Insurance (LTCI) provides an income-style benefit when the insured person is dependent. It helps cover the cost of care over a lengthy period of time, giving the peace of mind that comes with knowing that the financial burden of care won't rest entirely with loved ones. Insurers offer a permanent insurance policy that provides protection for the entire lifetime of the insured person when they meet the requirements to qualify, as long as the required premiums are paid, or extended term insurance is available as set out in the policy.
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​Policies may be issued to individuals aged 21 - 80.