Products


Insurance Main Categories

Insurance fall into the 4 main categories listed below. You will find some definitions below but we always recommend that you speak with one of our insurance advisors.

Term Insurance    is when a person is insured for a set duration. i.e. 5, 10, 20 or30 years. Once the policy is expired, it’s up to the policy owner to decide whether to renew the term coverage or let it end. The person may also have the option to change over to another insurance product without any medical evidence or questions.

Permanent Insurance   unlike term usually covers the person for the rest of their life, provided everything is in order. The price is normally set and does not increase for the life of the contract. Permanent insurance can offer many benefits, such as side saving accounts, dividends payout, increased coverage with no medical proof, just to name a few. This product has too many options and is too complex to list here. Please call us to find out more.

Critical Illness  offers a lump sum, tax-free benefit upon medical diagnosis of a covered conditions. If no claims are made through the life of the contract all money paid for premium may be returned (no claim benefit)

Long Term Care Insurance   provides you with a weekly / monthly tax-free benefit to cover the expenses for care at home or in a facility by a professional or a loved one or a professional in the event that you cannot perform 2 out of the 6 daily living activities due to aging, an accident, illness or deteriorated mental abilities. The money is for you and your family to use as you wish – you may not need to submit receipts for reimbursement – giving you more control and choice while helping to protect your savings and income. We have several types of long Term plans available payment timetable change, proof of expenses can vary according to plans. Contact an advisor to find out which plan may best suit your needs.

Disability Insurance  helps protect your income if you become disabled and can’t work. A disability plan can help you meet your income requirements so you can concentrate on, recovering, and returning to an active life. Plans vary please speak to an advisor.

Annuity Is an investment that pays you an income at stated intervals for a pre- agreed contingent period.
Segregated Fund is an investment  that combines the growth potential of a mutual fund with the security of a life insurance policy.
Segregated funds are often referred to as "mutual funds with an insurance policy wrapper".


​WE OFFER A WIDE VARIETY  OF PRODUCTS.
  WE ALWAYS SUGGEST THAT YOU SPEAK WITH AN ADVISOR IN ORDER TO CUSTOMIZE THE PRODUCT TO YOUR NEEDS AND BUDGET.


Please  CLICK HERE  if you would like to receive a no obligation quote or further information on any Insurance product



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