It can be used to provide financial support in the event of a death, injury, or illness
but it has evolved to be part of a philanthropic plan, or to provide income in retirement,
and much more.
We make it simple
Let’s face it, no one likes to think about dying or getting sick, let alone taking time out of their busy lives to go research the products and find the company with the best pricing. That is why you have us.
We are independent and can shop the entire marketplace to find the right product at the right price. We then provide you with a simplified summary of the options that are clear and easy to understand, with unbiased details on the pros and cons of each type – at no cost to you. Yes, that is correct, once you have a policy in place the insurance company pays us so you don’t have to. We guide you through the process of finding the right plan, help you apply for the coverage and work with the underwriters to expedite the application, and are you main contact for the duration of your policy so you don’t need to deal with the insurance company’s 1-800 service center.
Life insurance provides whomever you choose with a one-time, tax-free payment when you die. It has evolved over the years and can accommodate virtually everyone’s needs, whether it is for a specific period of time, or to create intergenerational wealth or retirement income, and some even provide benefits such as gym memberships and apple watches.
Few questions to ask yourself when thinking about life insurance:
- Do you need insurance to protect your family or do you need it to protect your business?
- Do you need it for a set period of time or do you need it to cover you for your entire life?
- Do you have any medical conditions or have you been declined for insurance in the past?
We explore all the different types of insurance including term, participating, universal life, and guaranteed life insurance as well as the various companies who offer it.
Most of us don’t think of our income as our single biggest asset — but it is. Disability insurance is designed to protect your income; it works when you can’t. It replaces a portion of your income if you become disabled and are unable to earn an income due to an accident or illness.
Disability insurance isn’t just for the self employed – it is an important aspect of a buy-sell agreement or to protect your business if a key person were unable to work.
We work with you to tailor a policy, considering potential risks you face at work and any health concerns.
Critical Illness Insurance
Medical advances have dramatically improved the survival rates of people who suffer critical illnesses such as cancer, stroke, and heart attacks. Recovery may come with a significant financial cost that impacts both you and the people close to you. A critical illness policy would provide you with a tax-free lump sum cash payment where you choose how to spend the money, such as reducing debt, replacing lost income while you take time off work to cope with your illness, hiring additional help at home, pay for new medical treatments not covered under the provincial health plans. We will help you find the right coverage for you.
Health & Dental Insurance
Personal health insurance (also known as individual health and dental insurance) is coverage that can help Canadians or those living in Canada cover the cost of preventive care or medical bills due to an illness. It can help pay for several health-related expenses, including:
- prescription drugs to treat a chronic or serious health condition,
- dental treatments such as teeth cleanings, braces, dentures and crowns,
- vision-care needs such as eye exams and prescription glasses,
- emergency travel medical services when you travel to another country,
- physiotherapy to help with injury recovery, and
- medical equipment to help with your mobility.
Group Health (also known as employer benefits) is similar to the personal health insurance but the employer pays a miniumum of 50% of the premium. The landscape for coverage vast but if you are a small business owner, the If you are a small business owner, we can help you find the right plan that is flexible to your needs and yet create the stability of premimums, year over year.
Health & Dental Insurance
Get and instant quote & apply for health and dental insurance.
Get and instant quote & apply for travel insurance.
Are you thinking about getting insurance?
With a little bit of information, we can source out all the insurance options available and help you find the right one, at the right price.
We provide side by side, easy to understand, comparisons so you have all the insights at your fingertips to make an informed decision.
How much insurance do you need?
Don’t guess – many advisors will say you can never have enough insurance but we disagree. Our philiosophy is to instead get just the right amount of insurance, so that you still have money to live for today.
Manulife has an in-depth InsureRight Calculator, that you can complete an analysis of your life, disability and critical illness insurance needs. The calculator uses your financial information today to help you decide how much insurance you may need. Click on the link to do the assessment or as always, you can call us and we can do an analysis for you.
Once you are ready, we can help you find the right policy from the company best suited for your needs.
What insurer’s do we have access to?
How much does insurance cost?
Your age, sex, smoking status and overall health come into play and have an impact on your premiums. While it’s important that your premium fits within your budget, there are other things you should consider as well:
- look for a reputable insurer
- get a rough idea of the coverage amount you need
- determine the options and riders that are available and which are best for you
You can speak to a licensed life insurance advisor to learn more about your options.
Women tend to live longer than men, so life insurance may cost less.
Generally, insurance is less expensive when you’re younger.
Family history, chronic diseases and lifestyle can increase costs.
If you have a dangerous job or participate in high risk activities, your insurance costs can be higher.
The type of policy you select will impact the premium you will be required to pay.
More on insurance
What should I look for in a disability policy?
There are many features of a disability insurance policy and they are all important. However, not every disability policy is the same and not every policy has the same features. Whether you are looking for disability insurance for a small business or disability insurance for the self-employed, here’s what you need to look for in a disability policy.
Types Of Life Insurance For Small Business Owners
If the tragic and unexpected happens – your business partner suddenly passes away – you have not only lost your dear friend, colleague, collaborator, right-hand person, your “I could never do it without you” person, but the ramifications of it can cripple your business.
What are your options?
Health Insurance - are you covered if you have a pre-existing condition?
If you are looking for a health and dental plan you should read the fine print before you apply. Most plans offered are medically underwritten and although you may answer all the questions and they approve you for a policy, it doesn’t mean that your current medications are covered.
What should you look for?