There are 3 main types of insurance protection you should be considering:

1. Life Insurance
2. Disability Insurance
3. Critical Illness Insurance

Click Here to read what our customers say about their Personal Insurance experience with us.

Life Insurance

The death of an income earner causes extreme financial hardship for those left behind. How will the mortgage be paid? How will the children’s education be funded? Will the family have enough income to maintain their standard of living?

We will customize a Life Insurance policy to ensure all of these needs are protected and provide you and your family with peace of mind.

Disability Insurance

During a disability, bills still need to be paid. Disability Insurance will pay you a monthly benefit (usually 60-70% of your salary) in the event you become disabled and unable to work.

Some employers offer their employees group disability insurance coverage. However, if you are self-employed or not covered through your employer,  you should obtain adequate insurance coverage to continue paying your bills when you are not working. We will customize your Disability Insurance policy to precisely meet your needs and budget.

Critical Illness Insurance

Tremendous advancements in the medical world have enabled us to now live through illnesses, diseases, and tragic events. However, we are likely left with bills and expenses while we recover.

If you are diagnosed with one of the covered conditions, Critical illness Insurance provides you with a lump sum of tax-free money to ensure you recover not only medically from your illness, but also financially. Some of the most common covered conditions by insurance companies are:

The statistics are staggering and a critical illness can happen to anyone:

• 40% of Canadian women and almost 45% of Canadian men will develop cancer in their lifetime (Canadian Cancer Society).
• It is estimated there are over 70,000 heart attacks in Canada each year (Heart & Stroke Foundation).
• Cancer incidence is rising in young women ages 20-39 (Canadian Cancer Society).

That’s why Critical Illness insurance is so important – you are free to spend the money as you wish – such as to help cover lost income, to pay for private nursing or out-of-country treatment, for medical equipment or even to pay off your mortgage. It can help you where you need it most so you can focus all your energy on recovering.

We will customize your Critical Illness Insurance policy to ensure you are properly protected at the right price. As well, some policies provide the option to have all of your paid premiums refunded should you not make a claim…please ask us about this great option.