Life Insurance Solutions
Why is Life Insurance Important?
It covers your financial commitments.
Allows your family to maintain their standard of living.
It covers death related expenses.
It allows you to leave a legacy.
It ensures business continuity.
It completes life insurance coverage offered through your employer.
Term Life Insurance
Term life insurance
Affordable coverage to meet your temporary needs
Protects your loved ones for a pre-determined period while you have greater financial commitments.
It's the ideal solution if:
You have dependent children and are on a tight budget
You have short- and medium-term loans to repay
Participating Life Insurance
Participating life insurance that ensures the growth of your estate
Protects your family while giving you access to dividends. Annual participations are not guaranteed and vary annually.
It's the ideal solution if:
You want to leave a larger estate to your loved ones and,
If needed, benefit from liquidity for your retirement
You want to offer your children or grandchildren a solid financial foundation
You are a business owner looking for life insurance coverage which generates growth
Universal Life Insurance
Universal life insurance a combination of permanent life insurance and savings
Offers you lifetime coverage and the opportunity to save with certain tax benefits.
It's the ideal solution if:
->You would like to leave a significant inheritance
->You have contributed the maximum amount to your RRSP and
-> Your TFSA
You would like to protect the value of your company
Health Benefits Programs
Benefit plans for individual entrepreneurs, sole proprietors, farms. Having insurance and retirement plan set up ensures you’re invested in your future — which is one of the most crucial things you can do for yourself right now. When you’re starting a business, you want to be ready for the unpredictable. Our plan shows you how to build your own benefits package as a solo entrepreneur and walk you through the options that are available based on your personal needs.
Health Spending Accounts
COST PLUS PLAN
Are you incorporated?
Health Spending Account may be an option for your company needs. A health spending account acts like a bank account that employees can access to be reimbursed for eligible health and dental expenses.
As the employer, you choose how much each
employee gets in their account for each year. When
the employee or their family incurs an eligible
expense, they pay for it out of pocket, and then
they submit their receipt to the benefit provider
& are reimbursed for the expense. When the account gets to zero, they are no longer reimbursed.
The money you put in an employee’s health
spending account is a tax-deductible business
expense. Click HERE for more information on
what is an eligible expense.
Business Interruption Insurance
Nobody knows when you will need it. Business Interruption Insurance covers losses and is an all risk policy that protects against loss caused by any risk that is not specifically excluded from your policy. Options include Limited or extended indemnity. Additional coverage from incurred expenses that may affect your business. Coverage you need depends on the nature of your business. Discuss your business with one of our specialist TODAY!
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One of our Senior Advisors will assist you with your Plan
Or Call 1-888-988-1324