Disability, Accident, Sickness & Hospitalization Insurance
Life insurance offers financial safety for your loved ones in case of an unexpected death. These benefits can help meet all the needs of your family, including:
Keep providing for your family, even when you are no longer there for them.There are two types of Life Insurance: Temporary and Permanent Insurance.
Health insurance helps cover the high costs of medical care, protecting you from financial hardship due to unexpected medical bills.
Travel insurance provides peace of mind, knowing you're safeguarded against unforeseen events and emergencies during your travels.
Investment and savings insurance safeguards your financial future from market volatility and unforeseen events, ensuring your financial goals stay on track. It provides peace of mind by securing your investments and savings, protecting your financial stability.
As an independent insurance broker, we work with different insurance companies to find the best product for you.
As an independent insurance broker, we work with different insurance companies to find the best product for you.
You will receive a lump sum payment to spend on any needs if you are diagnosed with one of the conditions covered in the policy. For example:
Each policy can be different, depending on what you choose and what kind of company you are dealing with.You are eligible to apply for Critical Illness Insurance before you turn 65 years old.You can choose the duration of coverage: 10 years, 20 years, until 65, 75, 100 years old.All these factors as well as the medical history of the person applying for coverage and their family (parents and siblings) will affect the insurance cost.
Parents can also buy Critical Illness Unsurance for their children who are 30-days+ old, and coverage can be in place until the age of 25. Most insurance companies include extra 4-5 conditions for children such as:
Please contact us to find out more about Critical Illness insurance, get a quote, and what condition can be covered. You will receive a free estimation.
Parents can also buy Critical Illness Unsurance for their children who are 30-days+ old, and coverage can be in place until the age of 25. Most insurance companies include extra 4-5 conditions for children such as:
Please contact us to find out more about Critical Illness insurance, get a quote, and what condition can be covered. You will receive a free estimation.
Are you planning a trip to Canada? Maybe someone special is coming to Canada for a visit or you’re looking for a Super Visa insurance?
Either way, it should be a safe and enjoyable visit. Unexpected illnesses or injuries can happen when you least anticipate them, so make sure you’ve got travel medical insurance.
WHAT CAN BE COVERED:
TRAVEL INSURANCE IS IDEAL FOR:
Are you planning a trip to Canada? Maybe someone special is coming to Canada for a visit or you’re looking for a Super Visa insurance?
Either way, it should be a safe and enjoyable visit. Unexpected illnesses or injuries can happen when you least anticipate them, so make sure you’ve got travel medical insurance.
MUTUAL FUNDS IS A PROFESSIONALLY MANAGED INVESTMENT WHICH IS WELL-DIVERSIFIED
SEGREGATED FUNDS - FUNDS COMBINING INSURANCE AND INVESTMENT
Segregated Funds work the same way as mutual funds, are managed by professionals, and have diversification (mixed stocks, fixed income, and commodities in different industries and companies).
Additionally, such funds have protection from losing your investment.
How insurance works:
Segregated funds provide guarantee protection from 75%-100% of your investment on:
You can buy funds through insurance companies or insurance brokers.
Similarly to mutual funds, segregated funds have fees (MERs) which are usually higher than those for mutual funds because they include insurance.
However, some insurance companies offer affordable and similar fees to the ones paid for mutual funds.
Segregated funds also have a unique feature, creditor protection.
If the investor dies, the money will go directly to their beneficiaries, and thereby there will be no probate fees.
Parents can also buy Critical Illness Unsurance for their children who are 30-days+ old, and coverage can be in place until the age of 25. Most insurance companies include extra 4-5 conditions for children such as:
Every province in Canada has their own list of coverage; what is covered in one province can be not covered in another one.
In foreign countries, Canadians may face much higher medical expenses, as they will likely be paying these out of their pocket without having reliable insurance.
However, before you applying for travel insurance you also can check other sources which may already provide you with some coverage:
Coverage provided by an insurer is more flexible and can be customized.
Travelers can choose different packages depending on their needs:
Everyone will have different needs, and we will find coverage which will be the best fit for your trip and the travel of your loved ones.
Taking time off work can be really stressful for you and your family. Disability insurance will help you to continue receiving your partial income (50% – 70%), if you injure yourself or get ill (subject to the specific insurance policy).
How does it work? If you are an employee and have benefits, your employer likely already provides some disability insurance for you.
However, it can be a smaller percentage from your income than you expected or the waiting period can be more than one year, in other words, you will start receiving your money if your condition takes longer than one year.
Disability insurance has different types of coverage depending on:
What you do at work and your occupation (if you own the business or are a regular employee)
Benefit period (e.g. 2, 5, 10 years, until the age of 65)
Waiting period – when you will start receiving the benefit (immediately, after 3 months, after 1 year etc.)
Level of guarantees, etc.The evaluation of the amount that you may need will be based on your income or debt that you may have.
We can provide more details about this type of insurance, analyze your personal situation, the benefits you already have from your employer and what else can be added to provide decent financial support for unforeseen situations.
To find out more about what kind of policy you have from your employer, you can reach out to your HR department or office manager. If you are self-employed or you work for a small company you may have no coverage at all.
A TAX-FREE INVESTMENT INCOME
SAVE MONEY FOR YOUR CHILDREN'S EDUCATION
A SAVINGS PLAN THAT IS INTENDED TO HELP PARENTS AND OTHERS SAVE FOR THE LONG TERM FINANCIAL SECURITY
Download a brochure of any specific insurance
An insurance policy that pays cash directly to you to help pay out-of-pocket costs when you face an unexpected sickness.
An insurance policy that pays cash directly to you to help pay out-of-pocket costs when an accident strikes.
Critical Illness
An insurance policy that pays cash directly to you to cover out-of-pocket expenses so you can focus on recovery after a major illness strikes.
Stroke - Heart Attack and Stroke
An insurance policy that pays daily cash benefits directly to you to pay for costly out-of-pocket expenses related to HeartAttack, Stroke and Cancer treatment and every day expenses.
Sickness Disability
An insurance policy that pays benefits directly to you when a sickness prevents you from working.
Accident Disability
An insurance policy that pays benefits directly to you when an accident prevents you from working.
Hospitalization Accident Insurance
An insurance policy that pays cash directly to you to help pay out-of-pocket costs when you face an unexpected accident.
Hospitalization Sickness Insurance
An insurance policy that pays cash directly to you to help pay out-of-pocket costs when you face an unexpected sickness.
As a business owner, you are undoubtedly aware of the significant costs associated with employee turnover and workers' compensation claims. When employees get injured, the financial burden extends beyond immediate medical expenses.
The lengthy waiting periods, investigations, and the subsequent rise in workers' compensation premiums can substantially impact your bottom line. Implementing a supplemental accident insurance plan can provide a cost-effective solution to these challenges, benefiting both your business and your employees.
1. Employee Turnover: Injuries often lead to extended absences, contributing to high turnover rates.
Replacing and training new employees incurs additional costs and disrupts productivity.
2. Workers' Compensation: Claims lead to increased premiums year after year.
The lengthy process of investigations and waiting periods exacerbates the issue, resulting in longer recovery times and higher expenses for the business.
By offering your employees the option to purchase supplemental accident insurance, you address these issues head-on. Here’s how:
Immediate Financial Support for Employees:
* No Missed Work Requirement: One of our plans provides a payout of $4,000 for a single fracture or injury, regardless of whether the employee misses any work. Even if an employee spends just one night in the hospital and returns the next day, they receive at least $4,400.
* Unlimited Claims: Employees can make unlimited claims without fear of their policy being canceled, ensuring continuous coverage and support.
Benefits for Your Business:
* Reduced Workers' Compensation Claims: Since employees have their own supplemental coverage, they are less likely to file workers' compensation claims, thereby preventing your premiums from increasing.
* Increased Employee Loyalty: Offering supplemental insurance can boost employee morale and loyalty. Employees who feel secure and valued are more likely to stay with the company long-term, reducing turnover rates.
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It serves various financial purposes for your family in your absence, such as
TERM LIFE INSURANCE
Term life insurance, also known as temporary life insurance, covers you for a specified number of years, called a “Term.” For Canadians, term life insurance is available in variations of 10, 15, 20, 25, and 30-year terms. If you need life insurance coverage for a limited time, term life insurance is the most affordable option. Most term policies come with fixed premiums, meaning the premiums’ rates don’t change over time.
Any Canadian citizen with age 18 to 75 years is eligible for term life insurance. A term policy allows you to get coverage from $100000 to $5 million.
PERMANENT LIFE INSURANCE
Permanent life insurance lasts for your entire life. It’s also known as coverage for life. The premiums of a permanent policy may or may not increase over time, depending on the terms and conditions. It’s the best option if you want “full-time” coverage and peace of mind regarding your family’s financial future.
Permanent life insurance is an expensive coverage option as it covers you for your whole life. Many permanent policies come with a cash value component that can act as an investment opportunity for the policyholders.
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