Protection for what matters most.
Explore life, critical illness, disability and travel insurance in the context of your family, career and financial plan.
Explore this guide
Travel insurance
Travelling outside of Canada, visiting Canada or studying abroad? Explore coverage for visitors, Super Visa applicants, trips outside your home province and international students.
Life insurance
A proper financial plan can mean the difference between leaving your loved ones well-positioned financially and leaving them to cope with debts and an inadequate income.
Life insurance can help create financial security for you and your family. If you should die prematurely, it can be used to:
- Pay final expenses and any debts
- Provide an income for your family
- Ensure your family has the resources to maintain a comfortable standard of living
- Leave a legacy to your favorite charity
While you’re still living, some life insurance policies can:
- Support a lending arrangement using the policy as collateral, subject to lender approval and policy terms
- Build tax-advantaged savings you can draw upon as needed for personal or business opportunities
- Supplement your retirement income or provide for long-term care or home care for yourself or a family member
Types Of Life Insurance
- Term Life Insurance
- Permanent Life Insurance
- Universal Life Insurance
- No Medical Check-Up Insurance
Talk to us to learn how life insurance may fit your financial plan.
Critical illness insurance
Critical illnesses can happen to anyone at any time. A serious diagnosis can affect both your health and your finances. Besides having an immense physical and emotional impact on sufferers, the financial impact can be just as far-reaching.
Critical Illness Insurance provides coverage in the form of a lump-sum, tax-free payment when a covered illness meets the policy’s definitions and claim conditions. The payment can be used in any way seen fit, including to cover loss of income, to pay for nursing care, or to pay for out-of-country medical treatment.
Besides the potential loss of income, sufferers and their family must also deal with a build-up of medical bills. This is in addition to mortgages, car loans, children’s tuitions, and other day-to-day expenses that continue to accrue. Having sufficient Critical Illness insurance, in this case, is vital. The lump-sum payment sufferers would receive could be used to pay off any of the expenses that arise after the illness occurs. The illnesses covered, exclusions and benefit conditions depend on the policy selected.
Talk to us to learn how critical illness insurance may fit your financial plan.
Disability insurance
Disability Insurance can replace part of the insured person’s monthly income in the event they are unable to perform their work due to an accident or illness. Many Canadians may not realize that their group long term disability benefits or government benefits may not provide adequate income replacement in the event of disability. According to Statistics Canada, 22% of all Canadians, that is, approximately 6.2 million Canadians had one or more disabilities in 2017. About 1.6 million Canadians with disability were unable to afford required aids.
Disability Insurance policy contains benefits and riders’ customized to suit individual needs.
Benefit periods, premium guarantees and optional riders vary by policy. Ask us to explain the terms that apply to your coverage.
Talk to us today to build your personal disability plan.
Home and car insurance
Looking for home or car insurance? Contact our team to discuss your needs and available options.
This guide is general information. Coverage, eligibility, guarantees and tax treatment depend on the product and your circumstances. Review the current terms with your advisor before making a decision.