Our Services
Insurance &
Risk Management
Your financial journey is about more than just numbers; it's about building a lasting legacy.
We offer a range of products designed to help you protect what you've built and ensure your family's future, no matter what life throws your way. Here are some of the ways we can help you get started on your legacy today.
Our Products
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Life Insurance
Life insurance is a promise to your family's future.
It provides a tax-free cash payment to your loved ones if you were to pass away. This money can be used to cover funeral costs, pay off a mortgage, replace lost income, or fund a child's education. It's a way of saying, "I've got you," even when you're no longer here.
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A policy can be tailored to last for a specific period (term life) or your entire lifetime (permanent life), offering flexibility to meet your unique needs.
Critical Illness Insurance
Critical illness insurance is about protecting your financial health during a serious medical crisis.
If you're diagnosed with a covered illness—like cancer, heart attack, or stroke—this insurance provides a lump-sum, tax-free payment. This money can be used for anything you need: medical treatments not covered by your provincial plan, living expenses, or even home renovations to accommodate your recovery. It gives you the freedom to focus on getting better without worrying about finances.
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The funds from a critical illness policy are yours to use as you see fit and are paid directly to you, not a hospital or doctor. According to the Canadian Cancer Society, the average cancer patient faces nearly $33,000 in costs, including out-of-pocket expenses and lost income during treatment and recovery.
Disability Insurance
Disability insurance protects your most valuable asset: your ability to earn an income.
If you become sick or injured and can't work, this insurance replaces a portion of your income, providing a monthly, tax-free benefit. It helps you keep up with essential expenses like rent, groceries, and bills, ensuring your financial stability isn't a casualty of an unexpected setback. It's the foundation of your legacy, a way to keep building even when you're sidelined.
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Most people don't realize that they have a higher chance of being disabled for 90 days or more during their working years than of dying. According to Statistics Canada, over a quarter of Canadians aged 15 and older reported having at least one disability, highlighting the importance of protecting your income.
Travel Insurance
Travel insurance is about peace of mind for your adventures.
Whether you're traveling for business or pleasure, this insurance protects you from unexpected costs that can arise from a medical emergency, trip cancellation, or lost luggage. A sudden illness or accident in another country can be incredibly expensive, and this coverage ensures a medical emergency won't derail your financial plans or jeopardize your legacy. It's a small investment that offers huge protection.
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Your provincial health plan or credit card coverage often has very limited coverage for medical emergencies outside of your home province. A medical emergency abroad can be shockingly expensive, with costs for things like air ambulance services ranging from tens to hundreds of thousands of dollars.
Group Benefits
Group benefits are a powerful tool for businesses and their employees.
For business owners, offering benefits like health, dental, and life insurance is a way to attract and retain great talent. For employees, it provides access to essential coverage at an affordable price, often at no cost to them. It's a collective way to build a legacy of health and security for an entire team.
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Offering a group benefits plan to your employees is a significant investment that pays off. In Canada, the cost of employee benefits can range from 15% to 30% of an employee’s total compensation, but this is often outweighed by improved retention and productivity.
Home & Auto Insurance
Your home are car are central to your daily life and a significant part of your legacy.
Home insurance protects both your home and its contents from unexpected events like fires, theft, or vandalism. Auto insurance provides financial protection from accidents, damage and liability on the road.
Is it time to get started?
Start your journey with us.