Life Insurance
Life insurance is available as either permanent or term coverage. In addition to traditional life insurance plans, policies are now available with an investment component, allowing you to implement advanced tax, investment and estate planning concepts.  
 
For business owners, life insurance can be structured to provide funding for many possible situations, including partnership buy-sell arrangements, business loan repayment and key person protection.
Disability Insurance
Your greatest asset is your ability to earn an income.  Personal disability nsurance provides you with a percentage of your monthly income while you are unable to work due to an injury or an illness.  Your income level will determine the maximum amount of monthly coverage available. You can design the plan by selecting an appropriate benefit amount, start date, benefit period, as well as important optional benefits that can enhance your coverage.  
 
Disability insurance can also be structured to facilitate a partnership buy-sell arrangement or to protect the business from the loss of a key person.
Critical Illness Insurance
Critical Illness insurance is a product designed by medical professionals to provide financial support to both patients and their families in a time of need. By providing a lump sum benefit amount ranging between $10,000 and $2 million, Critical Illness insurance can provide you with a financial cushion that will enable you to focus on recovery.  Critical Illness insurance plans typically cover between 20 – 25 conditions, including:
  • Heart Valve Replacement
  • Kidney Failure
  • Loss of Limbs
  • Loss of Speech
  • Major Organ Failure on Waiting List
  • Major Organ Transplant
  • Motor Neuron Disease
  • Multiple Sclerosis 
  • Occupational HIV Infection
  • Paralysis
  • Parkinson's Disease
  • SevereBurns
  • Heart Attack
  • Life Threatening Cancer
  • Stroke
  • Alzheimer's Disease
  • Aortic Surgery
  • Aplastic Anemia
  • Bacterial Meningitis
  • Benign Brian Tumour
  • Blindness
  • Coma
  • Coronary Artery Bypass Surgery
  • Deafness
Team and Permanent coverage options are available, allowing you to design a plan that suits your needs and your budget.