Life Insurance

Since your greatest economic asset is likely your potential lifetime earnings, life insurance can give your family financial security by protecting your earnings if you die prematurely.

We have a range of flexible insurance product solutions with protection tailored to the needs of your family or business. Some solutions also offer tax-deferred savings.

    Life Insurance
  • Term Life Insurance
  • Permanent Life Insurance
  • Universal Life Insurance

Term Insurance

As changes take place in your life, your financial strategy needs to keep in step. You may have started a new business venture or reached a major financial goal. You need to protect that goal.

Term Insurance provides affordable, temporary protection for your short-term and long-term needs, with the flexibility to adjust your insurance to meet your needs in the future.

And with Term Insurance, the healthier you are, the less you pay. Your underwriting class and premium will be determined based on your current health and medical history, your family medical history and your lifestyle.

Whether it’s single life insurance provided by Term Insurance or insurance for two people under a Joint Term policy, these products offer features and benefits that make them the right step for individuals in various stages of their lives.

Permanent Insurance

Permanent Insurance, as the name suggests, lasts for as long as the insured lives. Although there are many versions of Permanent Insurance, typically, the premiums remain level and the policy accumulates a cash surrender value.

Universal Insurance

    A Universal Life policy is a powerful financial tool that offers both life insurance protection and savings. No matter where you are in life, a Universal Life Plan has you covered. You can:
  • customize the policy to suit your needs
  • change your coverage and investment mix as your needs change
  • accumulate tax deferred savings
A Universal Life Policy can be very effective in:
    Estate Planning
  • protect your family with permanent life insurance
  • pay final taxes on your estate at death
    Retirement Planning
  • provide added tax-deferred savings for those who have maximized their RRSP contributions
    Business Planning
  • enables a tax-effective way to unlock the value of your business at retirement
  • provide added executive compensation

Provide tax-free funds for partner or shareholder buyouts.

Tax Free Savings Account

Do you know about a great way to save, tax-free?

The new Tax-Free Savings Account is a great way to take advantage of a savings opportunity! The TFSA is designed to encourage clients to invest in a non-registered GIC, and help them on their way to tax-free savings!

Contribute up to $5,000 annually, and withdrawal the money at any time for any reason, tax-free. Any interest gained on the principal is also tax-free!

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