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Insurance Planning
The point of insurance is not a policy — it is that your family's plan survives the day you cannot work, and the day you are not there. We size the need, then shop the market for it.
Life Insurance
Term coverage for the years with the most at stake — mortgage, childcare, tuition — and permanent coverage where the need never ends: final expenses, tax on the estate, or a legacy gift.
- Term 10, 20 and 30 with renewal and conversion options
- Whole life and universal life for lifelong needs
- Joint and multi-life policies for couples
- No-medical and simplified issue where health is a factor
Living Benefits
Coverage that pays while you are alive. A serious diagnosis rarely stops the bills — living benefits replace income, cover treatment and buy time to recover properly.
- Critical illness — a tax-free lump sum on diagnosis
- Disability income for employees and the self-employed →
- Long-term care, plus personal health & dental plans
- Return-of-premium options if you never claim
Tailored Solutions
Not every situation fits a standard application. We place coverage for pre-existing conditions, corporately-owned policies, large face amounts, and newcomers building a Canadian file from scratch.
- Layered term matched to a falling mortgage balance
- Corporate-owned and shareholder-funded coverage
- Underwriting advocacy when a rating is offered
- Audits of coverage you already own