Ideas for complex financial lives.

Care and ongoing review

We help you compare options that fit your needs, apply to appropriate providers and review your plan as your circumstances change. Our team shares information on financial planning, health, business development and marketing so you can bring informed questions to each conversation.

Accessible support

Contact us by phone or email to arrange a virtual or in-person meeting. Our team assists clients directly, including after-sales service and follow-ups. Ask your advisor about available contact methods and expected response times.

Coordinated planning

Claims, underwriting, financial planning, client relations, industry networking and investment expertise help connect your decisions in one place. As brokers, we compare relevant product features, premiums, costs and investment considerations across available providers, with your priorities and budget in mind.

Review what your existing CDSPI or other student coverage includes before adding a policy. A modest amount of disability coverage during your school years may help you plan for future income protection as your career develops.

Some policies offer a future increase or insurability option that may allow additional coverage without new medical evidence. That depends on the rider, eligibility, financial evidence, timing and policy limits; it is not an unconditional guarantee of coverage for a particular income. Ask our team to compare your current protection and future increase options.

Employer group life insurance is convenient, but it may fall short of your family’s needs. If your employment ends, your coverage may end or leave a gap between jobs. Check any continuation or conversion options in your group plan.

Consider whether the group benefit is enough for your spouse, other dependants, debts and future commitments. Our team can review your existing coverage with you and discuss whether personal insurance would help address a gap.

Financial security means something different to each person. Start with the amount your family would need if something happened to you:

• Your current debts, including your mortgage.
• Expenses your family would pay after your death.
• Future needs such as childcare, education and ongoing income.

Then account for existing savings, coverage and other resources. Salary multiples can be a rough starting point, but a personal needs assessment is more useful than treating the same multiplier as a rule for every family. Once you understand the amount and purpose of coverage, compare providers and make sure you understand the policy options and terms.

If you are your family’s primary wage earner, life insurance can help provide financial support after your death. If you are not the primary earner, your household may still face childcare costs, funeral expenses and other costs of replacing the support you provide.

A death benefit can help with:

• Unpaid medical bills.
• Income replacement for survivors.
• Final expenses, including burial costs.
• Unplanned or emergency expenses.
• Your mortgage balance.
• Future education funds for children.

Some life insurance products may also play a role in estate planning, tax-advantaged savings, retirement income or funding an estate’s tax liabilities. Those uses depend on the policy, its costs and your circumstances; discuss the details with the appropriate insurance, tax and legal professionals.