Business Insurance

If you own a business whether it be a Sole Proprietorship, a Partnership or an Incorporated Company, there are various things you must consider:

• Do you have a shareholders agreement and if so, when was it last updated?
• Do you know how much your business is worth today? Do you know how much your business would be worth if you died? What would happen to your business if you, the principal became disabled?
• Have you made provisions for a successor, maximizing value and made plans for business continuation/buy-out?

Key Man Insurance

Do you have an employee who is a Specialist in their field? Would the sudden loss of that person create major interruption to your business in event of their death or disability? Would you have to re-train someone and how long would that take? Could their speciality be duplicated?

Group RRSPs

Retirement is top of mind for many of your employees - Group RRSP's provide the participant with the opportunity to invest through payroll deduction, providing convenient and systematic contributions and generating immediate tax savings.

Group Benefits

Product details, claims processes and cost issues sometimes overshadow the fact that group benefits are ultimately about people and their lives. The real benefits are the assurance and confidence your plan members feel knowing they're protected, and the relief and comfort they experience when they see their benefits in action. These benefits can include:

• Life Insurance
• Short/Long Term Disability
• Dental Care
• Supplementary Health Care

Actual benefits can be customized to meet the needs of your specific organization.