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    • Home
    • Employee Benefits
    • Individual Insurance
    • Personal Health Dental
    • Apply Online
    • Helpful Links
    • In The News
    • Immigrants & Visitors
    • Wellness
    • Informational Documents
    • Privacy

  • Home
  • Employee Benefits
  • Individual Insurance
  • Personal Health Dental
  • Apply Online
  • Helpful Links
  • In The News
  • Immigrants & Visitors
  • Wellness
  • Informational Documents
  • Privacy

Individual Insurance Products

Life Insurance

Critical Illness Insurance

Disability Insurance

What is Term life insurance?

Term life insurance is simple and affordable.  It provides a fixed amount of insurance for a specific period of time.  In the event of your death, the policy pays a tax-free benefit, to your beneficiaries.  Term life insurance provides temporary protection that you can customize to meet your changing needs.  Term life insurance is a great option, instead of purchasing mortgage insurance through your bank. 

For more information on the following products please contact me.

Universal life insurance

Participating Life Insurance

Permanent Insurance


Disability Insurance

Critical Illness Insurance

Disability Insurance

 Why do you need disability insurance?

The lifestyle you enjoy, your children’s college education, and your retirement savings all depend on your ability to earn a living. What if you suddenly had less money coming in, plus additional money going out to cover bills related to your disability?  Where would the money come from to replace your lost income? When a disability lasts longer than 90 days, the length of that disability averages between 2.1 and 3.2 years for those age 55 and younger. 

Critical Illness Insurance

Critical Illness Insurance

Critical Illness Insurance

Why should you consider a Critical Illness Insurance policy? 

It can protect you in three ways.  The first of which is lifestyle/income protection.  The second area, that a critical illness can impact, is your retirement funds. For most, RRSP is the first place you may look for funds to assist in the costs associated with a critical illness.  The third reason for critical illness, and one that is rapidly becoming a major concern is medical protection.  Critical illness insurance could make the difference.

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