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Make sure you protect your greatest asset today!

Many people feel they are well covered through their work plans in case of an illness or sickness but then are surprised to later find that it may not cover their full salary or may only provide coverage for their own occupation for 2 years and then not pay if they are able to do any type of job. While others are even more shocked to find they do not even have Long Term Disability coverage through their employer.  You wouldn't let someone else choose the insurance you have for your home or auto, so you should definitely make sure you are covered adequately for this coverage.   Make sure you protect your greatest asset today!
To put this into perspective a 30 year old earning $100,000 annually their total earnings potential to age 65 assuming 2.5% annual increases is $5,492,821.
(Source:  Commissioner's Disability Table, 92 Cia Mortality Table) 

Life Insurance that can now pay you for making healthy choices or gives you and your family perks!

Life insurance products have truly evolved as a number of innovative companies have now entered this sector.  Now customers have the option of life insurance products that offer them an apple watch and will allow them to earn benefits for exercising and making other healthy life choices.  Other providers offer scholarships to children of insureds, free family events, orphan benefits and budgeting and legal advice included.  Find out today which life insurance products are best for you.  All the products we provide you will own as the insurer and be able to appoint your own beneficiaries.  The plans are underwritten upfront so you can be confident they will pay.  

Everyone knows someone who has had a Critical Illness.

Being diagnosed with a Critical Illness is scary enough, knowing you have a long road of treatment and recovery ahead of you.  At a time when you need to focus your energy on getting healthy, you and your family don't want to have to worry about financial stress as well.  This product provides a tax free lump sum cash payout that the insured can use however they wish.  We have had clients use the money to pay for extra medications not covered by OHIP, help pay their mortgages, take a family vacation after recovery or seek faster medical treatment in a different location.  With this plan you do not have to miss any time of work either.  There are a wide range of products to select from and even some that offer a return of your premiums at expiry if you have never made a claim.

With the workforce constantly changing and a number of employers offering flex dollars instead of traditional group plans or hiring on contract you may not have access to health and dental plans.  These plans can be purchased personally and they can be tailored to suit your needs.  We work with a number of different companies that offer these plans and will find the one that best suits your needs, whether you want to make sure you are covered for a larger medical hit, or you want your everyday health and dental expenses covered.  

Obtain a quick quote with one of our companies today:    

https://online.gms.ca/cims/web/indiv/applicant.aspx?agentid=382527 

Travel insurance is vastly important and you want to make sure you have coverage before leaving on a long trip or even crossing the border for a day of shopping.  Medical expenses can add up quickly especially in different places.  We know this from personal experience, as a 3 hour stay in a hospital in the United States 20 years ago for a family member who had an allergic reaction cost $4000 which would have made it a much more expensive trip if we did not have travel insurance.   

1.  Do you I have to medically qualify for coverage and do medical tests?  

Since the pandemic started a lot of insurers are not requiring as many labs, and some only require medical questions being answered on the application or over the phone.

2.  I've been declined before for coverage are there any coverage options available?

There are now a number of insurance companies that cater to the harder to insure population for both life insurance and living benefits and offer guaranteed or simplified issue products.

3.  For health insurance will my current drugs be covered?

There are so many options in this landscape that depending on the drugs there is a good chance that a portion or all of them can be covered under certain plans.