1-403-981-0154


Personal, Small Business & Customized Plans

BUILDING A PLAN SHOULD BE SIMPLE,
EASY & FAST!

Prepare for the unexpected and giving you peace of mind!

At FPHW, we keep it simple. Customized insurance benefits that fit any budget and any business size!

Health and Dental

Reimburses a portion of out-of-pocket health care costs not covered by your provincial or group health insurance.

Customizable, affordable Health & Dental plans for every budget.

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Disability Insurance

Disability Insurance, disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for completion of core work functions.

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Long-Term Disability Riders

In addition to monthly income replacement, receive a $300,000 tax-free lump-sum benefit with EDGE's affordable long-term disability and permanent total disability riders when disabled for an extended length of time.

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Business Overhead Expense Insurance

Reimburses a business owner or their company for overhead expenses in the event of a disability that prevents them from working. EDGE offers two business overhead expense plans: guaranteed acceptance injury coverage, or combined injury & illness protection.

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Critical Illness Insurance

Pays a lump-sum amount upon diagnosis of a serious medical condition covered by your policy (e.g. cancer, heart attack, stroke).

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Guaranteed Issue Life Insurance

Pays a lump-sum amount to you upon diagnosis of a terminal illness, or your named beneficiaries after your death, to use however seen fit.

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Travel Emergency Medical Insurance

Reimburses unforeseen emergency medical expenses incurred while travelling outside of your province for non-medical reasons, and provides 24/7 international assistance no matter where you are.

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Accidental Death & Dismemberment Insurance

Pays a lump-sum amount in the event of death or other serious bodily injury due to an accident.

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Fracture Accident Benefits

Pays a lump-sum benefit in relation to the severity of the injury when a fracture is diagnosed.

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Loss of Income
Injury Only

Up to $6k/month

Guaranteed issue - no questions.

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Health Spending Accounts

Setting up a Health Spending Account  is another alternative for Benefits.  An HSA is an individual account with a fixed dollar amount used by employees and/or their eligible dependents for reimbursement of health and dental-related expenses not covered under provincial health insurance or other group benefit plans sponsored by the employer.

See Eligible Expenses Qualified under an HSA

For More Information on Benefit Options

Contact our Insurance Specialists to find a plan that fits your individual or small business needs 





Contact US

Contact our Senior Advisor

For more information please contact us at 403-981-0154 or 1-888-988-1324

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