Life Insurance

  • Term 

Whether you are looking to protect your family or your business, term life insurance offers affordable and flexible protection you can customize to meet your temporary and growing needs.

You can choose term life coverage that protects you for 10 or 20 years or until you reach age 65 or age 100.

For more information on term insurance, please contact us.

  • Whole Life

Whole life insurance offers guaranteed, reliable coverage to last your entire lifetime. Ideal for personal and business needs, it provides permanent protection you can count on and guaranteed cash values that grow over time.

Performax Gold is a reliable whole life insurance solution backed by powerful guarantees and built for long-term tax-deferred growth.

Performax Gold can help you:

  • Further your retirement and estate planning

  • Build tax-deferred equity and cash value over time

  • Establish collateral for a bank loan

  • Fund education costs and other long-term expenses

  • Provide key person coverage

  • Leave gifts to children, grandchildren or a charity

With its flexible features and the variety of options (riders) available, Performax Gold allows you to customize and adjust your coverage as your lifestyle or business needs change.

To learn more, click here or contact us.

  • Universal Life 

Designed to meet both your life insurance and investing needs, universal life insurance combines long-term insurance protection and tax-advantaged investing in one single, customizable policy. Whether your goal is to protect the legacy you’re building for your loved ones, or to build additional wealth over time, universal life insurance can help you:

  • Leave proceeds to your beneficiary – tax free

  • Further your estate planning

  • Build tax-deferred equity and accessible cash value over time (may be subject to taxation)

  • Establish financial collateral for a bank loan

  • Provide key person insurance coverage for your business (business continuity)

From how you want to invest, to how you pay for your insurance, to how much or little you want to invest, there are a variety of simple universal life coverage options that can be customized to meet your financial planning needs.

  • Combined 

Synergy offers one-of-a-kind insurance coverage, combining three policies in one affordable and easy-to-manage package. Synergy’s unique design provides protection against life’s everyday risks: disability, critical illness and early death.

Suitable for your personal and business needs, Synergy allows you to protect your family against the financial impact of the unpredictable, everyday risks we all face.

Synergy provides solid insurance protection across three high risk areas at one affordable price. The convenience and simplicity of Synergy allow you to manage one policy with one amount to pay while you cover the need for three essential types of insurance.

The flexibility of Synergy gives you and your loved ones the ability to:

  • Help protect your income if you are unable to work

  • Provide mortgage and debt protection

  • Supplement gaps in group disability, critical illness and life insurance coverage

  • Protect your family against the financial impact of loss of income due to injury, illness and premature death.

For more information on Synergy, click here or please feel free to contact us.

Travel Insurance

Travel Insurance

  

Travel Insurance

Choose the plan that’s right for you.

To learn more, click here

Living Benefit

  • Critical Illness

  

Critical Illness Insurance

Critical illness insurance helps cover the unexpected costs and potential loss of income associated with a serious illness. From the additional costs associated with medicine and treatment, to travel, home care and specific accommodations if needed, treating and recovering from an illness can have a devastating financial impact. Plus, if you’re unable to work during your recovery, the impact is even greater.

With critical illness insurance, if you become sick with one of the covered conditions covered by your policy and survive the waiting period, you receive a cash benefit. You can then use the funds as you wish.

  • Disability Insurance 

Disability insurance

Disability insurance helps protect your income and business if you become disabled and can’t work. With different products available for full-time, part-time or home-based workers, disability insurance is the perfect solution for professionals, business owners, business executives and other employed Canadians.  An individual disability insurance plan can help you meet your income requirements so you can concentrate on recovering and returning to an active life.

Whether you need to secure your main source of income or supplement the coverage you receive from your employer or an association, disability insurance can help by providing a comprehensive and portable plan you can rely on throughout your working years.

For more information on disability insurance, please contact us.

  • Long Term Care

  

Long Term Care (LTC) insurance

Long term care insurance provides you with the support and financial resources necessary to cover the out-of-pocket expenses for care at home or in a facility, when you can no longer care for yourself.

LivingCare from Manulife is designed to provide you with the freedom to choose the type of care you want and need, while at the same time protect your retirement assets. The flexibility of LivingCare allows you to choose to receive your benefits for home or facility care.

LivingCare gives you the financial security to:

  • Protect your retirement savings and income

  • Preserve an inheritance for your loved ones

  • Eliminate the burden placed on your family caused by long term care needs

For more information on long term care insurance, please click here or contact us.

LivingCare is sold by, and is a registered trademark of, Manulife Financial (The Manufacturers Life Insurance Company).

Health and Dental

  • FlexCare

FlexCare

Are you tired of paying day-to-day health care expenses out of your own pocket? With the affordable, flexible coverage offered by a Flexcare individual health insurance plan, you'll gain the added confidence of knowing that many of your health-related expenses, both routine and unexpected, will be covered. Flexcare allows you to choose both the type and amount of coverage you want. That way you'll pay only for the coverage you really want and need.

  • FollowMe

  

 Approved

Follow Me

Losing your health benefits? With the economical protection offered by a FollowMe Health individual insurance plan, you can enjoy many of the health benefits you had at work. No medical questionnaire is required. Your acceptance is guaranteed – as long as you apply within 60 days of your group coverage ending. FollowMe Health offers four different plans so you can choose the one that best suits your needs and budget. All four plans include drug coverage. Two of the plans offer dental care coverage as well. Each plan also includes vision care, hospital accommodation and a wide variety of extended health care benefits, such as registered specialists and therapists, accidental dental, hearing aids, homecare and nursing, Health Service Navigator®, and more.

 

  • Association 

Association

The Association Health and Dental Plan is designed to offer small or large associations and small businesses with an individual health and dental insurance plan. This plan is also suitable for individuals that are looking for supplemental health care coverage.

Purchase Insurance: Travel Insurance