INSURANCE AND PROTECTION SOLUTIONS
We offer a comprehensive range of coverages to secure your assets and protect your loved ones from the unexpected.
Term Life Insurance
Flexible protection to cover your financial needs over a defined period. Ideal for protecting a mortgage, debts or dependants during critical years.
Permanent Life Insurance
Guaranteed lifetime coverage, often including a savings component or cash value. An effective estate planning tool.
Disability Insurance
Essential income replacement if you become unable to work due to an accident or illness. Protect your lifestyle and your family's.
Critical Illness Insurance
A tax-free lump-sum payment to support you financially upon diagnosis of a covered critical illness (cancer, heart attack, stroke, etc.).
Health and Dental Insurance
Supplemental coverage for medical, dental, vision and paramedical expenses not covered by provincial health plans. Ideal for self-employed individuals, retirees and employees without group benefits.
Travel and Emergency Medical Insurance
Essential protection when travelling outside Canada or your province. Covers emergency medical expenses, hospitalization and medical evacuation, along with other benefits depending on the plan selected.
Frequently asked questions about insurance
What is the difference between term and permanent life insurance?
Term life insurance covers a fixed period — 10, 20 or 30 years. It is ideal for protecting a mortgage, debts or dependants during critical years. Permanent life insurance (whole life or universal life) covers you for your entire lifetime and can accumulate a cash value accessible during your lifetime, making it a powerful estate planning tool. The right choice depends on your time horizon, your budget and your wealth transfer goals.
Do I need disability insurance if my employer provides it?
This coverage ends if you change jobs, become self-employed or take early retirement. A personal disability policy, funded by your own premiums, pays tax-free benefits and follows you regardless of your employment status. According to the Canadian Life and Health Insurance Association, 1 in 3 Canadians will be disabled for more than 90 days before age 65 — a risk very few households can absorb without adequate protection.
Is critical illness insurance really necessary?
The cost depends on your age, health status, lifestyle habits (such as smoking) and the coverage amount you choose. Securing coverage while young and in good health allows you to lock in a favourable rate for the long term. Comparing quotes from multiple insurers is essential to get the best value for your needs.
Can I get coverage if I have a pre-existing condition?
Available options vary depending on your health situation and may include a standard policy with an exclusion for the specific condition, a policy with a higher premium, or a no-medical guaranteed-issue policy. Conditions such as controlled diabetes, treated hypertension, a history of depression or excess weight can often be accepted, with adjustments as needed. Since insurers do not all assess risk the same way, decisions may vary from one company to another. It is important to provide complete and accurate information at the time of application, as any omission or inaccuracy may affect the validity of the contract or the settlement of a claim.
When should I review my insurance coverage?
Certain life events should prompt a review of your situation, including marriage, common-law partnership, the birth or adoption of a child, the purchase of a property, a job change or loss, a significant increase in income, a divorce or the death of a spouse. Beyond these events, a periodic review is recommended, as personal and financial situations evolve over time. As your mortgage decreases, children grow up and wealth accumulates, coverage adjustments may be needed. Regular reviews help maintain appropriate protection and avoid being either under-insured or over-insured.