Life Insurance – Critical Illness and Estate Planning

Providing financial security for your family is of utmost importance to us. Whether that be financial security at death or in time of disability or illness, we provide the solutions specific to your needs. Life is always changing and we will be there for you as it does.

Everyone needs insurance – and every client has their own objectives. Individual Insurance products help guide you through various life stages – such as buying a new home, your 1st child, protecting income against an illness or disability, succession planning for a business, or avoiding unnecessary taxes at death for your estate. As brokers, we represent most insurance companies, allowing us to make recommendations objectively, always putting the client’s needs first.


Life Insurance

Protects the financial security of your loved ones, by giving them a tax-free payment upon your death.

Term Life Insurance

Term Life Insurance provides coverage to meet a temporary need. Provides a level amount of insurance with a premium that increases at various time periods (e.g. 10 years).

Permanent Life Insurance

Permanent Life Insurance provides coverage for your entire life. It provides a tax-free payment to a named beneficiary.

Participating Life Insurance

This policy shares in some of the gains and losses of the insurer (e.g. interest earnings, operating expenses and mortality experience).

Universal Life Insurance

A type of permanent life insurance that combines protection and savings. Key feature is its flexibility


Designed to replace a portion of your income if you become disabled and are unable to earn an income.

Critical Illness

Pays out a lump sum tax free payment upon diagnosis of a critical illness – such as cancer, stroke or heart attack.

Health Insurance

Personal health insurance provides coverage for health-related expenses not covered by your provincial plan.


Let’s discuss your business needs.

We will guide you all the way and provide the best solutions



Learn how to maximise your
investments in employee benefits.

* All fields are required