Disability Insurance

Disability insurance can provide you with financial security by replacing a portion of your earnings when an accident or illness causes you to become disabled and unable to work or earn an income.

Accidents and illnesses are a fact of life. They could happen to anyone at any time. Did you know that:

• 1 in 3 people, on average, will be disabled for 90 days or longer at least once before age 65
• The average length of a disability lasting over 90 days is 2.9 years

Long Term Care Insurance

Long term care insurance provides individuals with a weekly/mthly tax free benefit in the event that they would require assistance with 2 of the 6 activities of daily living. Those activities include bathing, dressing, eating, maintaining continence, toileting, and transferring (Check the appropriate policies for more details). The proceeds received from a long term care policy can help prevent individuals from having to deplete their savings and/or forcing their family into debt due to unforeseen or unplanned for medical expenses.

Travel Insurance

When you're away from home, even a small accident can become a big medical expense. Travel Insurance helps protect you from unexpected costs due to medical and other emergencies - no matter where in the world you're travelling.

Personal Health Insurance

Maybe you are self-employed or contracted; a personal health insurance plan can provide you with coverage to take care of those unexpected expenses of everyday living. It can include, prescription drugs, dental, supplementary health benefits and more. At a time when your income may be reduced, these expenses can quickly add up - the premiums for this coverage can potentially be tax-deductible to you as a business owner.

Life Insurance

Creates an 'immediate Estate' - it can be the difference between leaving your loved ones well-positioned financially or leaving them to cope with debts and an inadequate income.

Life insurance can help create financial security for you and your family. If you should die prematurely, it can be used to:

• Pay final expenses and any debts
• Provide an income for your family
• Ensure your family has the resources to maintain a comfortable standard of living
• Pay for post - secondary education costs for your children
• Leave a legacy to your favourite charity

While you're still living, some life insurance policies can:

• Build tax-advantaged savings you can draw upon as needed for personal or business opportunities
• Supplement your retirement income or provide for long-term care or home care for yourself or even a family member

Critical Illness Insurance

Critical illness insurance is a form of protection that can provide you with a lump sum payment if you suffer from a covered critical illness and the survival period is satisfied. The physical and emotional strain of a critical illness can be severe and when you combine that with the potentially damaging financial impact, the result can be devastating.

That's where the critical illness benefit comes in - 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 when you need it most so you can focus your energy on recovery.