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Lifestyle Protection Plans

Term Life Insurance

Term Insurance provides coverage for a certain period of time or a specified "term" of years. If the insured dies during the time period specified in the policy and the policy is active, or in force, a death benefit will be paid. Term insurance is initially much less expensive when compared to permanent life insurance.

Whole Life Insurance

Whole Life Insurance provides coverage for the life of the insured. In addition to paying a death benefit, whole life insurance also contains a savings component in which cash value may accumulate. These policies are also known as “permanent” or “traditional” life insurance.

Universal Life Insurance

Universal Life (UL) insurance is a form of permanent life insurance with an investment savings element plus low premiums. The price tag on UL insurance is the minimum amount of a premium payment required to keep the policy. Unlike term life insurance, a UL insurance policy can accumulate cash value.

Critical Illness Insurance

Critical illness can give you a tax-free payment if you’re diagnosed with a serious condition. Your contract will define which conditions you’re covered for, but some examples include cancer, heart attack or stroke. You can add a return-of-premium benefit to your critical illness insurance policy. If you don’t experience a serious illness after number of years as per your contract, you can choose to get your money back.

Disability Insurance

Disability Insurance provides income in the event that a policyholder is prevented from working and earning an income due to a disability. Some of the variables affecting the cost of disability insurance include the amount of income to be replaced, the length of time in which benefits are paid, the medical history, and the length of time policyholders must wait before beginning to collect those benefits.

Guaranteed Issue Insurance

Guaranteed Issue or Guaranteed Acceptance life insurance policy does not require the policyholder to answer health questions, undergo a medical exam, or allow an insurance company to review your medical records. Guaranteed issue life insurance always has a waiting period. If you die during the waiting period, your beneficiaries will not receive the policy’s death benefit. With most policies, the waiting period is two years.

Investment Plans

Registered Retirement Saving Plan (RRSP)

A Registered Retirement Savings Plan (RRSP) is a tax-advantaged savings account designed to help you save for retirement. Contributions to an RRSP are tax-deductible, meaning they can reduce your taxable income for the year they are made. The investments within your RRSP grow tax-free until withdrawal, allowing your savings to compound over time. When you retire and start withdrawing funds, the amount is taxed as income, typically at a lower rate since many people are in a lower tax bracket during retirement. You can hold a variety of investments in your RRSP, such as stocks, bonds, and GICs. Additionally, the RRSP offers flexibility, allowing you to use funds for purposes like the Home Buyers’ Plan (HBP) or Lifelong Learning Plan (LLP) under specific conditions.

Tax-Free Savings Account (TFSA)

A Tax-Free Savings Account (TFSA) is a flexible, tax-advantaged savings account that allows you to grow your money tax-free. Contributions to a TFSA are made with after-tax dollars, meaning they are not tax-deductible. However, any investment income, capital gains, or withdrawals from the account are completely tax-free. You can hold a wide range of investments within a TFSA, including cash, stocks, bonds, mutual funds, and GICs. The TFSA also offers contribution room that accumulates annually, and any unused room can be carried forward to future years. Withdrawals from your TFSA are tax-free and do not affect your eligibility for government benefits or tax credits. Additionally, the amount you withdraw is added back to your contribution room in the following year, giving you the flexibility to re-contribute those funds.

Registered Education Savings Plan (RESP)

A Registered Education Savings Plan (RESP) is a tax-advantaged savings account designed to help families save for a child’s post-secondary education. Contributions to an RESP are not tax-deductible, but the investments within the plan grow tax-free until withdrawal. When the funds are withdrawn to pay for educational expenses, the investment income (including government grants) is taxed in the hands of the student, who typically has a lower income and may pay little to no tax. One of the key benefits of an RESP is access to government grants, such as the Canada Education Savings Grant (CESG), which matches 20% of annual contributions up to certain limits. The plan also offers flexibility, allowing contributions to be made for up to 31 years, with the account remaining open for up to 35 years.

More Services

Health and Dental

Health and Dental or Extended Health insurance plans assist the policyholders with the costs of prescription pharmaceuticals, dentistry, hospital, vision, paramedical, and ambulance services, which are not covered by provincial health care plans. The coverage is similar to that of a group benefits plan.

Travel Insurance

Travel insurance protects the policyholders against the costs and risks of travelling. It's a good piece of insurance for individuals travelling locally or internationally. Trip cancellation or interruption coverage, baggage, medical coverage, and accidental death or flight accident coverage are the major types of travel insurance plans.

Super Visa Insurance

The parent and grandparent super visa requires applicants to show proof of Canadian medical insurance for at least 1 year and a minimum coverage value of $100,000 for healthcare, hospitalization, and repatriation. This insurance policy offers coverage for sickness, illness, injury and accidents.