Living benefits & life insurance

Protecting what matters most to you

No-one ever wants to deal with the uncertainty, stress or challenges of a loved one being involved in an accident, falling ill, or passing away. Unfortunately, these are some of the unpleasant realities of life. Having the right living benefits & life insurance products in place helps prepare you and your family for any of life’s unexpected events and provides financial support you’ll need to get through it.

Let us help you find the right coverage so you can protect what matters most to you.

Life insurance

Life insurance provides guaranteed, lifelong coverage and provides a cash payout upon the insured’s passing to cover end-of-life expenses, living expenses for spouses and children and much more.

There are many different life insurance providers and many several different options. The most common options are:

• Term Life Insurance – a policy that covers you for a fixed period of time such as 10-years, 20-years or longer. The length of the policy is suited to your needs and how long you expect to have financial responsibilities you’d like to cover in the event of your passing. You decide the coverage amount, and the cost of the policy does not change throughout the policy’s lifetime.
• Whole Life Insurance – unlike term life insurance, the payout value of whole life insurance increases the longer you hold it and pay the regular premiums.

While these are the most common types of life insurance you might hear about, there are others such as permanent life insurance, cash value life insurance, universal life insurance and others.

Growing your policy coverage

Some life insurance products include a savings component that can be invested to accelerate payout growth. This growth can even be tax-sheltered, so you’re getting the power of an insurance and an investment product in one!

With several different options available, we can help you find the right life insurance products for you and your life situation. Get in touch and let us help you protect what matters most.

Critical Illness & Disability Insurance

Critical illness insurance and disability insurance are the two most common examples of living benefits insurance. Unlike life insurance which only provides coverage on your passing, critical illness and disability insurance provide coverage while you’re still alive.

Critical illness insurance covers you should you fall ill with a heart attack, stroke, cancer and other serious illnesses. Disability insurance policies replace a portion of your income should you become disabled and are unable to work. These products can help cover on-going living expenses and additional medical expenses not covered by other insurance plans you’ll need to get better faster.

For Self-Employed & Business Owners

For freelancers, self-employed individuals or small business owners, critical illness and disability insurance can be a vital part of making sure you can take care of yourself and your family. If you must work in order to earn an income, these insurance products can provide the peace-of-mind of financial assurance through challenging times.

Protecting your ability to earn an income is how we help you protect what matters most to you.

Individual Health & Dental Benefits

If you work for a company that offers an employee benefits plan, you might already have the health and dental benefits you’ll need to protect you and your family.

But if you work for yourself, you’re retired, or your employer doesn’t offer such coverage, you might leave yourself at risk of incurring expensive health and dental costs. Regular dental checkups, fillings, orthodontics and cosmetic dentistry are some dental expenses that can cost hundreds if not thousands of dollars. Rehabilitative services such as massage therapy, physiotherapy and chiropractic can likewise be very expensive if you don’t have the proper coverage.

We can help you get health and dental benefits coverage to protect you and your family. Get the services you need to stay in good health or recover from a health challenge without worrying about how much it is going to cost or how you’re going to pay for it.

Call us today and let us help you protect what matters most to you.