Our Services

Individuals

Disability/Critical Illness/Long term Care
- Tax free dollars when needed most
- Family protection from future income loss
- Majority of premiums refundable if no claims made
Mortgage Insurance
- Will cancel mortgage, debts & other liabilities – fully portable
- Name your own beneficiary
- Coverage will never decrease
- Medical approval up front to avoid claim underwriting.
Life/Estate Insurance
- Neutralizes taxes on Estate
- Family protection using discounted dollars
Visitors & New Canadians
- Hospital & Medical insurance
- Protects you and your family against expensive medical treatment
Personal Health & Dental Plans (including retirees)
- Provide extended health care cover your entire family
- Independent of employer plans – portable
- Premiums 100% tax deductible
RSP's / RIF's
- Annual tax deductions
- Tax efficient way to save for retirement
- Diversified portfolio / asset allocation strategy
RESP'S
- Tax efficient way to save for Education
- Flexibility in plan (Individual or Family)
- 20% Government top up on contributions
Annuities/Insured Annuities
- Peace of mind
- Guaranteed income for life
- Reduces annual tax liability
- Capital Preservation
Succession Planning
- Helps to avoid future tax liabilities
- Tax efficient way to pass on personal and business assets to the next generation

Corporations

Key Man Insurance
- Peace of mind at a very low cost
- Avoids bankruptcy/creditor crunch in the event of death of a partner
- Immediate cash on hand when needed most
Individual Pension Plans
- Often large corporate tax deductions
- 100% creditor proof
- Contributions to IPP far exceed available contributions to an RRSP
Group Benefits/Group Pension Plans
- Self Funding can save considerable dollars
- Business owners have complete control and have access to increased personal deductions
Universal Life and Holding Companies
- Ability to tax shelter investments
- Helps to protect assets from creditors
- Ability to withdraw money from Corporation with minimal or no tax to fund retirement
Retirement Compensation Arrangements
- Significant tax deductions to Corporations
- Can be used in conjunction with an RSP/IPP
Corporate Insured Annuities
- Guaranteed income at above average returns
- Ability to withdraw money out tax free
Severance Planning
- Employee seminar – how to keep benefits & pension plans upon termination, lay off or, plant closure.

Health Problems? – No Problems, guaranteed acceptance plan for Life, Critical illness, accident /injury and Health & Dental plan

Questions about Your Financial Security?
Contact our office!

Online Insurance Quotes

Personal Health Insurance

For young individuals, couples, families, self-employed, or small business owners in a contract position or close to retirement.

Health Coverage Choice

Guaranteed coverage with no medical evidence for clients who are within 60 days of losing their group coverage because: their employment is ending, or they're retiring.