Protect Your Family

Life Insurance
As part of your estate plan, life insurance will provide a source of income to your loved ones in the event your death. There are 3 main types:
Term Life Insurance
Term life insurance can be thought of as temporary insurance that one would obtain for a specific reason. This might include a mortgage, family dependents, collateral loan insurance, or a business interest.
Whole Life Insurance
Provides permanent coverage with level premiums and a guaranteed death benefit. Plans contain a tax-advantaged cash value accumulation.
Universal Life Insurance
Permanent insurance with an investments portion built in. This tax-advantaged investment portion, along with the insurance payout, makes Universal Life Insurance an excellent way to provide financial security for your loved ones or business partner.
Disability Insurance
Protect your ability to earn an income in case of an injury or illness that leaves you unable to work. With a 1 in 3 chance of needing it at some point in your life, it is essential for anyone who does not have disability insurance through their employer.
Critical Illness Insurance
Plays a similar role as disability insurance does, but with the added protection from the additional expenses that arise from having a critical illness. The odds of needing critical illness insurance are also similar to those of needing disability insurance.
ELITE U.S. Healthcare™
This product gives you immediate access to medical treatment for any illness or injury with a wait time in Canada, where the average wait time between seeing a general practitioner and receiving treatment can exceed 40 week1. ELITE U.S. Healthcare™ is a lifetime fund of US$5 million, offers concierge level service and pays directly for all medical expenses and business class travel to centers of excellence including the Cleveland Clinic, Mayo Clinic, Johns Hopkins, Sloan-Kettering and many others.
Health Insurance
Each of our three scales of coverage provide health and dental coverage with four optional coverages to cover expenses the Government Health Plan may not, such as hospital accomodations, emergency travel expenses, and accidental death and dismemberment.

1 Source: The Fraser Institute's National Waiting Time Survey, 2010