Services for Individuals
Insurance & Investments
Along with helping you build and manage your investments, we can help you choose insurance to help reduce financial risk to you and your family.
Life Insurance
Having the right life insurance protection can make a big difference to your life and the lives of those closest to you.
Disability Insurance
Your ability to earn an income is likely your most valuable asset. We can provide disability coverage designed to protect it.
Critical Illness Insurance
Critical illness insurance can help you meet the financial burdens caused by a critical illness or condition.
Health & Dental Insurance
Enhanced healthcare plans can help protect you against unexpected health and dental expenses.
Segregated fund policies
Pool your investment with thousands of others through a professionally managed fund — with added protections like death benefit guarantees, estate bypass, and potential creditor protection.
Guaranteed interest options and payout annuities
Stable, predictable returns and guaranteed income streams to complement your portfolio — ideal for managing risk in or approaching retirement.
Life Insurance
Having the right life insurance protection can make a big difference to your life and the lives of those closest to you. Life insurance can be used to help protect the people and things you love. It can mean the difference between leaving your estate financially secure and leaving behind debts and an inadequate income. If you’re unsure, we can help you determine which type of life insurance may meet your short-term and long-term needs and preferences for flexibility and risk.
Term Life Insurance
Term life insurance generally provides the most coverage for the lowest initial cost.
Permanent Life Insurance
Permanent life insurance protects you for your lifetime by providing a death benefit. It also has the added benefit of building cash value that you can draw on later. There are two types of permanent life insurance: participating life insurance and universal life insurance.
Participating Life Insurance
Participating life insurance (or whole life insurance) provides permanent life insurance protection with a tax-advantaged cash value component.
Universal Life Insurance
Universal life insurance provides a traditional life insurance component with a tax-advantaged investment component.
Charitable giving
If charitable giving is an important part of your financial strategy, we can work with you to ensure the funding of your favorite charitable organizations is considered in your estate plan.
Disability Insurance
Critical Illness Insurance
No one plans to get sick, but when something unexpected happens, you can help yourself and your family by being financially prepared. Critical illness insurance is designed to help financially support patients before, during and after treatment by providing a lump-sum benefit when a critical illness, as defined by the policy, is diagnosed, and you satisfy the waiting period. Consider some of the potential uses for the funds from a critical illness insurance policy:
Home Modifications
Modifications to your home to accommodate recovery and ongoing care needs.
Private Care
Private nursing or domestic help during your recovery period.
Treatment Abroad
Timely treatment outside Canada when specialized care is needed.
Business Continuity
Additional staff to run your business while you focus on recovery.
Health & Dental Insurance
Enhanced healthcare plans can help protect you against these and other unexpected health and dental expenses.
Investments
Whether you're saving for your child's education, planning a vacation, building a nest-egg or managing your finances during retirement, we can help you create an investment portfolio that fits your needs.
Segregated fund policies — available exclusively through insurance companies, offering death benefit guarantees, estate bypass, and potential creditor protection.
Guaranteed interest options and payout annuities — stable, predictable income solutions to complement your broader investment strategy.
Death Benefit & Maturity Guarantees
Like a mutual fund, a segregated fund pools money from thousands of investors which professional fund managers invest in a variety of securities. Segregated fund policies are only available through insurance companies and take the form of individual, variable life insurance contracts offering certain guarantees to the policyholder. Any amount allocated to a segregated fund is invested at the risk of the policyowner and may increase or decrease in value.
Estate Bypass
Segregated fund policies protect part or all of your capital investment.
Creditor Protection Potential
When you designate a beneficiary other than your estate, the value of your segregated fund policies flow directly to the beneficiary, generally bypassing the estate and potential probate fees.
Segregated Fund Policies
Laws may protect a segregated fund policy in the event of bankruptcy or other action by creditors.
Along with helping you build and manage your investments, we can help you choose insurance and investment solutions to reduce financial risk and secure your family’s future.