There are different types of insurance plans available: Term, Whole Life and Universal Life.

Purchasing life insurance can be extremely complex. There is a huge array of products available on the market today and having a right Financial Advisor can help you decide which product is best for you.

Critical Illness Insurance was designed to financially help people when they have been diagnosed with a heart attack, stroke or cancer.

Upon diagnosis a lump sum benefit is paid to the policy owner.

With options such as return of premiums, second event riders & family counselling, Critical Illness insurance should be included in every person’s financial plan.

Disability Income Insurance is a form of insurance that will pay the beneficiary a portion of their earned income that would be lost due to an injury or illness.

There are STD (Short Term Disability) Plans, and LTD (Long Term Disability) plans available.

Who needs Disability Insurance?

Any working individual earning an income should have disability insurance. Self-employed people, and employees not covered by group benefits, should have disability coverage. If you have coverage through your employer, it is important to know the details of the plan.

A disability due to an injury or illness can happen to anyone at any given moment and can change your life forever.

Guaranteed Issue life insurance is sold by most Life Insurance Companies in Canada. The policies are for clients who have health issues and who consequently have a hard time obtaining a standard or rated life insurance policy. There is little to no medical underwriting required for these types of plans.

Guaranteed Life Insurance products can also provide cash values & paid-up insurance options.

If you have health issues call one of our brokers and we will search for a life company that will offer you the most protection for your family at a reasonable rate.