Services
Our experienced brokers have the skills and the knowledge required to assist you in a variety of services
we offer.
INSURANCE SERVICES WE OFFER
Insurance planning: We complete a confidential needs analysis to find out how much insurance is required. Based on needs and budget, we find a simple solution.
Mortgage Insurance planning: We save you potential hassle by getting you approved for mortgage insurance at an insurance company rather than a bank or mortgage lender. Not only will it be low cost and
independent of the mortgage lender, but in case you switch mortgages at the end of a mortgage term, you will not have to worry about the mortgage insurance. Protects also against potential changes in health with
insurance exchange options and conversion options. Ask us for more details.
Business Insurance: We have solutions for Business Overhead coverage, and ensure Key Persons are insured in case of death or disability.
Financial Planning: We have some of the best solutions available to protect your retirement, your Income you may already be receiving, and have solutions which may generate income, such as annuities, or offer
segregated funds, which are similar to mutual funds, but offer potential creditor and principal protection. Ask us for more details.
Group Benefits: We shop among the top carriers for your small business or company and help save you money and or create a plan from scratch.
Types of Insurance
Whole Life and Universal Life Insurance
Whole Life is a permanent coverage. It can be participating (PAR) or non-participating. The coverage can earn dividends. Whole Life can be structured to be as a limited pay, such as a 10-pay, or 20-pay. Once the coverage has been paid for either the chosen 10 or 20 years, the coverage can be “paid-up” and coverage continues until age 100 without additional payments. Universal Life Insurance combines insurance and investing together. Can also be structured as a 10-pay or 20-pay. Ask us for more details.
Mortgage Insurance
It is usually a term solution offered to protect a mortgage. We save you potential hassle by getting you approved for mortgage insurance at an insurance company rather than a bank or
mortgage lender. Not only will it be low cost and independent of the mortgage lender, but in case you switch mortgages at the end of a mortgage term, you will not have to worry about the mortgage insurance.
Protects also against potential changes in health with insurance exchange options and conversion options. Ask us for more details.
Individual Health and dental Insurance
Individuals may be able to continue their benefits if action is taken within usually 60 days of leaving an employer to continue benefits. Some plans can be created when the individual did not have previous benefits. These plans can cover dental care or prescription drugs. Ask us how?
Critical Illness or critical care coverage
This is a type of living benefits coverage which can pay out after 30 days of diagnosis for common illnesses, such as cancer, heart attack or stroke. This pays out to an
Individual who is living. Some plans offer return of premium in the future. Please ask us for more details.
Term Insurance
Term Insurance can offer a low cost alterative to permanent coverage. Can be term 10, 20, 30, or a term to 100. Can be offered as a possible solution for mortgage insurance. One feature about
term insurance is it can possibly be exchanged for a longer term duration according to the policy contract provisions.
Segregated Funds
Similar to mutual funds, Segregated funds might have potential principal protection and also possibly creditor protection. They can be invested in a RRSP or can be non-registered. Please ask
us for more information.
Disability Insurance
Coverage can replace income because of illness or injury. Payments are paid to you upon being disabled according to the policy provisions. The payments can continue for the duration
chosen; Either 2 years, 5, years, 10 years, or to age 65.
Travel Coverage
This type of coverage covers against potential medical bills associated travelling. This can also include Visitors to Canada Coverage.
Group health and dental Coverage
We offer solutions for companies who need dental and medical insurance benefits. Cost can relay on the type of industry and number of years the company has been around?
Ask us how we can help?
Business Insurance
We provide many solutions for businesses. It might be for Business Overhead Coverage, or Key Person Insurance, or other area. We help many businesses with various types of insurance planning. Please ask us how we can help?
Estate Planning
We have the tools to assist you in Estate Planning preparation. We help minimize taxes payable on capital gains and protect your assets against probate. Please ask us how?
Types of Insurance
Whole Life Insurance
Also called permanent coverage. Can be participating or PAR and Take out or nor participating. The coverage can collect dividends which are a portion of the insurance company earnings. The dividends are usually distributed annually. Whole Life can be structured to be as a limited pay, such as a 10-pay, or 20-pay. Once the coverage has been paid for either the chosen 10 or 20 years, the coverage can be “paid- up” and coverage continues until age 100 in most cases. Ask us for more information
Mortgage Insurance
It is usually a term solution offered to protect a mortgage. We save you potential hassle by getting you approved for mortgage insurance at an insurance company rather than a bank or
mortgage lender. Not only will it be low cost and independent of the mortgage lender, but in case you switch mortgages at the end of a mortgage term, you will not have to worry about the mortgage insurance.
Protects also against potential changes in health with insurance exchange options and conversion options. Ask us for more details.
Individual Health and dental Insurance
Individuals may be able to continue their benefits if action is taken within usually 60 days of leaving an employer to continue benefits. Some plans can be created whe The Individual did not have previous benefits. These plans can cover dental care or prescription drugs. Ask us how?
Critical Illness or critical care coverage
This is a type of living benefits coverage which can pay out after 30 days of diagnosis for common illnesses, such as cancer, heart attack or stroke. This pays out to an
Individual who is living. Some plans offer return of premium in the future. Please ask us for more details.
Term Insurance
Term Insurance can offer a low cost alterative to permanent coverage. Can be term 10, 20, 30, or a term to 100. Can be offered as a possible solution for mortgage insurance. One feature about
term insurance is it can possibly be exchanged for a longer term duration according to the policy contract provisions.
Segregated Funds
Similar to mutual funds, Segregated funds might have potential principal protection and also possibly creditor protection. They can be invested in a RRSP or can be non-registered. Please ask
us for more information.
Group health and dental Coverage
We offer solutions for companies who need dental and medical insurance benefits. Cost can relay on the type of industry and number of years the company has been around?
Ask us how we can help?
Disability Insurance
Coverage can replace income because of illness or injury. Payments are paid to you upon being disabled according to the policy provisions. The payments can continue for the duration
chosen; Either 2 years, 5, years, 10 years, or to age 65.
Travel Coverage
This type of coverage covers against potential medical bills associated travelling. This can also include Visitors to Canada Coverage.
Business Insurance
We provide many solutions for businesses. It might be for Business Overhead Coverage, or Key Person Insurance, or other area. We help many businesses with various types of insurance planning. Please ask us how we can help?
Estate Planning
We have the tools to assist you in Estate Planning preparation. We help minimize taxes payable on capital gains and protect your assets against probate. Please ask us how?