Families, Individuals & Professionals
Life Insurance & Mortgage Insurance
Do you need life insurance to cover a mortgage or provide income replacement for your spouse and/or children? Do you have concerns regarding estate planning or making a meaningful charitable donation in your memory? We will ensure the life insurance solution we design is the correct type of policy, with the right amount of insurance to accomplish your objectives. We currently broker with 11 different Canadian life insurance companies, and we will guide you through the underwriting process whether this is your first policy, or a more complicated situation needing our 50+ years of underwriting experience.
Disability & Critical Illness Insurance
Invest in a policy that will protect you financially in the event of devastating injury or illness. We recommend only the best income replacement insurance products on the market that include benefits and guarantees that are iron clad, so you never have to doubt the quality of the contract you purchased.
Investment Products & Services
As brokers we offer a full suite of investment products suitable for any risk tolerance. These products can be held inside a TFSA, RRSP, FHSA, RESP or non-registered investment portfolio. We will guide you to stay on track with your financial objectives; be it saving for your first home purchase, creating the retirement lifestyle you envision, or building generational wealth.
- Personal Life Insurance
- Mortgage Life Insurance
- Individual Disability Coverage
- Critical Illness & Long Term Care Insurance
- Charitable Gifting through Insurance & Annuities
- GICs, Term Deposits, Annuities and Segregated Funds for Non-Registered and Registered Investments
- Tax-Free Savings Accounts (TFSAs)
- RESPs and “In Trust” Accounts for children
- RRSPs, RRIFs and Annuities for Registered Funds
- Fundamental Estate & Retirement Planning
Business Owners & Executives
Corporate Insurance Planning
Do you require life insurance to satisfy a business loan, protect a key employee, or are you looking at insurance to provide the funding mechanism for your buy sell agreement? We will collaborate with your team of professionals, including accountants and lawyers, to ensure you are not financially at risk due to premature death, or prolonged disability.
We assist our small business clients with traditional group dental & medical plans, including alternative self-funded programs like the Private Health Services Plan or Health Spending Accounts. As brokers for small to medium sized businesses we can shop the market to find a benefit package that fits any budget. Lean on our extensive experience to negotiate the best package & rates for our clients.
For those interested in establishing a pension program for their employees we offer a full complement of registered pension plans that are tax deductible to the business. We can also assist with strategies to reduce taxes and invest your corporate surpluses. Permanent Life Insurance is a corporately owned, tax- deferred investment policy business owners can utilize for their own wealth accumulation, as an estate-planning strategy, or as part of a succession plan.
- GICs, Term Deposits, Annuities and Segregated Funds for Non-Registered Investments
- Pension Plans
- Group RRSPs
- Group Dental & Medical Plans
- Personal Health Services Plans
- Key Man Life & Disability Coverage
- Business Overhead Disability Plans
- Buy-Sell Agreement Funding
- Business Succession Planning