Insurance

Term Life

The simplest & easiest temporary solution that provides your beneficiaries with tax free benefits:

1. This is your most affordable coverage option – with access to quotations from all available carriers.
   
   
2. Premiums are guaranteed for 10 or 20 Years or Life depending on the term you select.
   
   
3. In most cases, you have the opportunity to convert to Permanent Coverage without additional underwriting, up to the age of 65.
   
   
4. Plan flexibility allows you to increase your coverage as your needs change over time.
   

Term-To-100

This type of insurance usually provides permanent coverage for the lowest possible premium rate. Premiums are guaranteed to never increase and plan coverage provides you with basic insurance protection that you cannot outlive.

Whole Life

Guarantees a lifetime of protection for your family or business with an investment component built into your policy. This type of insurance is ideal for specialized needs such as business and estate planning and to offset capital gains liabilities:

1. Rates are guaranteed to never increase.
   
   
2. Coverage provides guaranteed cash value accumulation that grows on a tax advantaged basis inside your policy contract.
   
   
3. You have choice of participating & non-participating policies.
   
   
4. Your policy provides you with the potential to earn dividends.
   
   
5. Dividends fluctuate based on numerous factors & can be received as cash or left within the policy to grow tax deferred.
   
   
6. Provides flexible dividend options: Use dividends to pay premiums or purchase additional insurance.
   
   
7. This type of coverage can provide also you with Retirement Income Supplements.
   
   
8. Use your policies cash value to provide funding for educational needs and Long-Term Care Needs.
   
   

Universal Life

Permanent Coverage with a tax advantaged investment component. This is a more complex insurance solution providing valuable benefits:

1. Grow tax-advantaged cash value within your policy to supplement retirement income.
   
   
2. Flexible investment options can be customized to your investment objectives & budget. Choose from Guaranteed Interest Options and Equity Linked Investments.
   
   
3. Flexible premiums – adjust the amount & frequency of payments to suit your current budget and investment needs.
   
   
4. You have the option to use your cash value to offset premium costs.
   
   
5. Rates are guaranteed for life: rate options include annual increasing premiums as well as the opportunity to lock in guaranteed level premiums.
   
   
6. Withdraw cash or borrow against your policy - withdrawals may be subject to tax under certain conditions.
   
   

Long Term Disability Insurance

Your most valuable asset is your ability to earn an income. On average, 1 in 3 Canadians may find themselves disabled for up to 3 years during their working life. Disability Insurance helps protect you from financial hardship and loss of lifestyle should you find yourself disabled as a result of injury or illness. Disability Insurance provides customized solutions for the self-employed as well as low cost insurance designed for employed individuals who do not have coverage through their employer:

1. We provide access to Total, Partial and Recurring Disability Coverage
   
   
2. Plan flexibility allows you to customize the benefits of your policy to give you exactly what you want and need
   
   
3. Features options designed for individuals who may have difficulty obtaining coverage.
   
   
4. Provides you with regular monthly income for the duration of your disability generally up to age 65.
   
   
5. Lifetime Coverage Options are available – provide income from age 65 for life (retirement income) should you find yourself permanently disabled.
   
   
6. Includes Standard Benefits such as Waiver of Premium after elimination period, Vocational Rehabilitation
   
   
7. Additional optional Benefits include Premium Refund, Own Occupation
   

Critical Illness

It is important that you have all the resources available to you to survive a severe medical crisis such as a heart attack, stroke or cancer. Critical Illness insurance can provide you with funding for your recovery and as well as ease the strain of incurring debt as a result of your illness – this allows you to focus 100% on getting better.

1. Benefits are paid as one-time tax exempt cash benefit for covered conditions and you choose how to use your payment.
   
   
2. Cover unexpected costs associated with a critical illness crisis such as medications, 2 nd & 3 rd opinion diagnosis, and equipment such as wheel chairs or vehicle modification.
   
   
3. Fund timely treatment, treatments not covered by OHIP, and non-insured treatment & travel outside Canada .
   
   
4. Provides access to specialized Recovery Care Program – Best Doctors^® service at time of claim.
   
   
5. Cover mortgage and loan payments.
   
   
6. You have the option to select a Return of Premium should you not experience a critical illness.
   
   
7. Provides coverage up to age 65, 75, and with a Permanent Option available.
   
   
8. Premiums are fully guaranteed.
   

® Best Doctors is a registered trademark of Best Doctors Inc

Long Term Care

With increasing pressure on publicly funded health care in Canada , home care & nursing home care services will require ever increasing out-of-pocked payments. Long Term Care Insurance provides you with control over how to arrange for long term extended health care service which arises simply due to the aging process:

1. Provides you with tax free benefits should you find yourself unable to take care of yourself due to medical condition or cognitive impairment.
   
   
2. Benefits can be used to fund the costs associated with either Home Care or Nursing Home Care – the choice is yours.
   
   
3. Choose from our Short List of Best Managed Nursing Homes – because our selection process makes all the difference between a home and an institution.
   
   
4. Choose to stay in the comfort of your own home with care provided by visiting nurses and home support professionals.
   
   
5. Takes away the fear of outliving your savings & protects your financial independence.
   
   
6. Allows you to maintain a dignified quality of life with access to high standards of service and support.