Insurance Services
Personal
Life Insurance
Provides tax-free dollars to offset financial loss arising from a an early passing, to cover the cost of children’s or grandchildren’s education, to pay off debt, mortgage(s), final funeral expenses, terminal tax liabilities, to give to charities and/or for generational wealth transfer.
Disability Insurance
Provides tax-free dollars to replace a portion of your monthly income when you are unable to work due to injury or illness.
Critical Illness Insurance
Provides a one-time, tax-free, lump sum if you’re diagnosed with a critical illness, so you can continue to fund your lifestyle, cover any required medical expenses, and focus on your recovery.
Corporate – Business Continuation
Key Person Life Insurance
Provides tax-free dollars to offset financial loss arising from the death or disability of a key employee.
Business Loan Protection
Provides tax-free dollars to repay business loans/lines of credit in the event of death or disability of an owner or key employee.
Disability Income
Provides maximum after-tax income to maintain your present and future lifestyle without burdening the business.
Critical Illness Insurance
Provides a lump sum, tax-free payment on the diagnosis of a critical illness or the return of premium if the insured remains healthy.
Business Transfer
Provides tax-free dollars to properly fund the buyout of shares in the event of death or disability of a partner.
Employee Benefits
Life & Disability Insurance
Establish a company policy to treat all employees fairly and transfer risk to an insurance carrier. Tailored disability benefits for owners and key persons to suit their individual income needs.
Health & Dental Benefits
Design a group benefits plan to attract and retain good employees.
Health & Welfare Trust
Change personal after-tax health and dental expenses to a company deduction.
Pension/Group RRSP
Install, analyze and administer retirement plans for you and your employees.
Enhanced Retirement program
A tax-effective way for your company to benefit from corporately-owned life insurance policies.
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