Living Benefits

 

Disability Insurance

Disability Insurance provides you with financial security by replacing your personal income in the event of an accident or sickness. Benefits are paid out tax free at time of claim if premiums are paid with after tax dollars.  Read more…

 

Business Overhead Insurance

When an accident or sickness occurs, as a business owner, you not only have to cover your own personal living expenses, but you will also be responsible for the continuing expenses of your business. Having to pay your business expenses from your personal disability benefit could potentially erode your standard of living.  Read more…

   

Retirement Savings

If you suffer an accident or sickness, often the first sacrifice are contributions to your retirement fund. These missed contributions greatly impact your retirement nest egg.  Read More…

 

Buy/Sell Insurance

Many people put a buy/sell agreement in place if they have partners or active shareholders, in order to address the buyout of the company should the other party die or become disabled for the long term. However many people neglect to address the funding required to finance the buyout.   Read more…

   

Critical Illness Insurance

Critical illness insurance pays a lump sum benefit should you be diagnosed with one of the covered conditions and survive the waiting period. When a critical illness strikes you may be faced with financial difficulty.  Read more…

   

Long Term Care

Long term care insurance pays a monthly benefit if you suffer a loss of independence and require care within your home or in a facility.   Read more…

   

Health Insurance

Heath Insurance can cover medical expenses not covered through your provincial health plan. Typically your core plan will include extended health benefits.  Read more… 

 

Emergency Medical Insurance

If you are travelling out of the country or out of the province, ensure you have emergency medical insurance prior to departure. This coverage will protect you in the event of an unforeseen accident or illness which requires medical attention outside of Ontario.  Read more…