Types of Coverage
Life Insurance
Leaving behind a financially secure estate is a gift to your loved ones. Protect your family against the costs of final expenses, debt or income shortfalls.
Plan Features
- The insurance component pays a stated amount upon death of the insured.
- The investment component accumulates cash value that the policyholder can withdraw or borrow against.
Term Life Insurance can be offered in terms of
- Term 10 Renewable and Convertible (YRCT)
- guaranteed renewable premiums to a maximum age
- Term 20 Renewable and Convertible (YRCT)
- guaranteed renewable premiums to a maximum age
- Term 30/65 (Convertible)
- guaranteed level premiums payable to the later of 30 years or age 65
- Term 100
- fixed premiums from start date until age 100. After age 100 coverage will continue.
Available as:
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- Single Life
- Multiple Coverages/Lives
- Joint First-To-Die (2 lives) on 10 & 20 YRCT
- 10 & 20 YRCT also available as Riders on Whole Life Policies
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10 & 20 YRCT also available as Riders on Whole Life Policies
Disability Coverage
Whether self-employed or a business owner, covering income and expenses during a disability can be challenging.
A disability policy is designed to replace lost income if you are unable to work due to illness or an accident.
Plan Features
- Any Occupation: Total disability is determined medically by physical or mental impairment because of injury or illness which prevents the insured from performing regular duties of any occupation they might be suited for.
- Own Occupation: Total disability is determined medically by physical or mental impairment because of injury or illness which prevents the insured from participating in regular duties of their own occupation.
Health & Dental Coverage
Individual health and dental plans are available to you as; a student, self-employed, retiree or as an employee who does not receive benefits through your employer.
Conversion plans are designed for individuals who no longer have group benefits through their employer and looking for continuation of health and dental coverage.
Plan design and cost vary by insurance company. Please contact us to explore which plan will best fit your needs.
Plans
Are your current Employee Health Benefits coming to an end?
We can offer the FollowMe Health Insurance Plan which can provide many of the same health benefits:
• No Medical Questionnaire Required
• Guaranteed Acceptance
• Application must be received within 60 days of termination of group benefits.
Interested?
Travel Insurance
Whether travelling abroad or as a visitor to Canada, emergency medical attention can be required. Be prepared for emergencies with coverage for yourself and your family. Simple affordable plans are available for various lengths of travel. Travel Insurance provides protection for the expenses over and above the small fraction covered by your provincial health plan. Additional coverage is also available for non-medical expenses including baggage loss, travel accidents, and trip cancellation or interruption.
Available Options
Investments
Representing all major carriers, we offer a full range of investment options.
Plans Features
Guaranteed Interest Accounts may be ideal for savings by guarding against market volatility with a security of principal and guaranteed rate of return. Various terms are available. GIA’s are eligible as a tax-free savings account. Investment options available include:
Daily Interest Account
Guaranteed Deposit Accounts
Term Deposit Accounts
Retirement Savings with advantages including:
- Tax deductible contributions
- Tax deferred growth
- Reduce combined tax burden with Spousal RRSP
- Home Buyer’s Plan
- Lifelong Learning Plan
For more information and investment options check out these major carriers: Click Here
