Insurances
Term insurance
Term insurance is a straightforward life insurance policy that provides coverage for a specific period, or "term." If the policyholder passes away during the term, beneficiaries receive a tax-free death benefit. It offers affordable protection, making it an ideal choice for those seeking temporary financial security for their loved ones.
Whole Life insurance
Whole Life insurance ensures lifelong coverage with a fixed premium, a guaranteed death benefit, and a cash value component that grows over time. This policy provides financial security, serving as both a protection tool and an investment, offering stability and peace of mind for the policyholder and their beneficiaries.
Universal Life insurance
Universal Life insurance offers flexibility with adjustable premiums and death benefits. It combines lifelong coverage with a cash value component, allowing policyholders to invest and grow their funds. This versatile policy caters to changing financial needs, providing a customizable approach to protection and wealth accumulation.
Critical Illness insurance
Critical illness insurance is a vital shield against the financial impact of severe health conditions. This coverage offers a lump sum payout upon diagnosis, aiding in medical expenses and maintaining your lifestyle during recovery. Ensure peace of mind by investing in critical illness insurance, a crucial step towards comprehensive healthcare protection.
Disability Insurance
Disability insurance is a crucial safety net, providing financial support if you're unable to work due to illness or injury. It ensures a steady income, covering living expenses and maintaining your lifestyle during recovery. Safeguard your financial well-being by investing in disability insurance, a key component of comprehensive financial planning.
Health and Dental insurance
Health and dental insurance is a cornerstone of overall well-being. This coverage ensures access to quality healthcare, covering medical expenses and preventive services. Dental benefits maintain oral health, preventing costly issues. Prioritize your physical and dental well-being by securing health and dental insurance—a vital investment in a healthier, happier life.
Travel Insurance
Travel Insurance safeguards against unexpected events during trips, covering medical emergencies, trip cancellations, lost baggage, and more. It ensures financial protection and peace of mind for travelers, offering assistance and coverage for unforeseen circumstances, allowing them to enjoy their journeys with confidence.
Super Visa Insurance
Super Visa Insurance is designed for parents and grandparents visiting Canada. It meets the country's requirements for medical coverage, offering financial protection for healthcare expenses. This specialized insurance ensures visa approval by fulfilling necessary conditions, providing peace of mind for both the applicants and their Canadian sponsors.
Group Benefit Plans
Group Benefit Plans provide comprehensive employee benefits, including health, dental, vision, and retirement options, offered by employers to enhance the overall well-being of their workforce. These plans promote employee satisfaction, attract talent, and contribute to a healthy and motivated work environment, fostering productivity and loyalty.
Mortgage insurance
Mortgage insurance is a financial safeguard for lenders and borrowers. It protects the lender in case the borrower defaults on the mortgage, ensuring they receive compensation. For homebuyers, it provides an opportunity to secure a mortgage with a lower down payment. This insurance mitigates risk and promotes broader access to homeownership.
Small Business Insurance
Everyone's life insurance needs are different. This is especially true if you're an entrepreneur who wants to preserve both your business needs and your personal assets if something were to happen to you. Life coverage ensures that your business and dependents, particularly your family, are financially secure when you pass away.
Funeral Insurance
Funeral Plans are not a form of investment or retirement plan. Its primary and only purpose is to cover costs like memorial services, funerals, funeral service, coffins, flowers, cremation costs or a plot, anything to do with the funeral itself
"No Medical" Life Insurance
No medical life insurance doesnot require blood tests, blood pressure results, urine tests etc. Since testing is not done, the risk is higher for insurers, but with those recent changes in the industry, there is no change in the cost to the consumer.”
Travel Insurance for Students
All foreign learners enrolled in Canadian schools, must obtain medical insurance for the length of their studies. Anything can transpire from a campus, flu pandemic, or an emergency medical situation. Being sick or injured away from home can be very upsetting so you’ll want to know you’re being look after. So you and your family has a peace of mind.
Million Dollar Baby Plan
- Tax-free growth,
- Use the funds for tax-free income,
- You can open a plan for your child as early as 14 days after birth,
- Cash values can be used by your child for any financial need in life including education, down payment on a home, starting a business and even to provide financial security for their future family,
- You can use the funds in the plan, while it continues to grow,
- Steady, predictable growth”,
- Parents, grandparents, legal guardians, aunts or uncles can open these plans and will own and control the policy for as long as they like.
