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Life Insurance

Life insurance is strong, reliable and affordable way to protect your family’s financial well-being.

In the event of your death, improper financial planning could result in your family being faced with economic hardship, debts struggles and an inadequate income. Life insurance is strong, reliable and affordable ways to protect your family’s financial well-being…

Life insurance exists because you care about someone and you want to make provisions for them in the event of your death.

Life insurance can help to:

  • Replace income in the event of the death of a wage earner
  • Pay debts (such as a mortgage) on death
  • Pay final expenses
  • Pay tax due upon death
  • Create an estate
  • Conserve an estate
  • Maximize an estate
  • Equalize an estate
  • Provide an endowment to a charity
Term Insurance

The simplest & most affordable form of insurance. Initially inexpensive but price increases at each term renewal.

When selecting a term product, consider the time frame you will need the coverage:

  • Debts such as mortgages will be repaid
  • Retirement savings will be fully funded
  • Primary dependency period will end, especially children’s education
Whole Life

Whole Life insurance provides permanent protection, with guaranteed cash surrender values.

  • Final expenses
  • Estate planning & Retainment planning
  • Long-term policy growth for individuals
  • Charitable giving
Universal Life

UL offers an opportunity for tax-advantaged investing and tax-sheltered wealth transfer to your family or charity.

  • Wealth transfer strategy
  • Estate planning
  • Buy-Sell Agreement
Non Medical Simplified Issue Life Insurance

Designed for those with serious health problems to those who just want a simple, fast way to buy life insurance.

  • Canadian citizen or permanent resident
  • Some health problems
  • Hard to insure
  • Dangerous job or participate in extreme sports
  • Dislike needles or medical exams
  • Coverage needed fast