Living Benefits

Critical Illness Insurance
– Protecting your health and wealth –

Critical illness insurance coverage keeps your investments intact while you recover. The cash benefit helps you recover from a health disaster while preventing a financial disaster.
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Disability Insurance

Protects your ability to earn an income if you become totally disabled and cannot perform the regular duties of your occupation. Provides for monthly tax free income of up to 75% of your gross monthly income on your total and continuous disability. Let Disability Insurance be your personal overhead protection plan.

Long Term Care Insurance

Stats Canada projects that the senior population will double to over 10 million by 2036. That’s three seniors for every one worker. Intuitively, as a result of an ageing population, the number of seniors requiring daily assistance will significantly increase. Meanwhile, government funding and resources have not kept up with the demand for long term care services. LTC Insurance acts as your asset protection plan by providing you with a monthly cash payment if you are unable to perform 2 activities of daily living (bathing, dressing, feeding, toileting, transferring, continence), or suffer from deteriorated mental ability. The tax-free income benefit is paid while you are in a care facility or receiving care at home from a professional stranger.

Business & Professional Overhead Insurance

Take care of your business expenses even when you can not work. Premiums are a deductible business expense and benefits are tax free. Saves your business while saving you tax. Also available for SOHO businesses.

Health & Dental Plans and Travel Plans

Affordable health and dental coverage to take care of your family’s medical needs. Complement with Travel Insurance to assist you for your out of country medical needs.

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