Coverage Details

Life Insurance:

Term: Temporary protection to provide money to cover debt and replace income for a fixed number of years such as mortgages, children's education, major purchases, renovations, loans, etc. 

Permanent: Life time protection used for capital preservation, tax, succession, business applications, and final expense planning, etc.

Critical Illness:

Provides protection against diagnosis of  as many as 21 critical illnesses depending on the plan. A lump sum payment is paid out directly to you to cover what ever you wish, such as treatment, bill payments, travel, etc.

Disability Insurance:

Provides protection against loss of income due to injury or illness. Benefits are paid monthly based on the length of injury/illness and the coverage selected. 

Sickness Insurance:

Provides protection against medical expenses that extend beyond the Ontario Health Insurance Plan (OHIP). Coverages may include prescription drugs, dental, optical, and more. Plans can be purchased for individuals or families.

Long Term Care Insurance:

Provides life time protection against loss of independence. Coverages may include home or facility care or a combination. A benefit is paid out each day a person is unable to take care of themselves independently. Coverage can be purchased for a fixed number of years or for the remainder of their lives. 

Registered Education Savings Plans

We offer educational savings plans through Industrial Alliance Insurance Company. These plans can be self managed or can be managed by the carrier. Government grants, tax free growth, and the opportunity to get additional funds from the company on top of investment growth makes this offering a popular choice.