Term Life Insurance

Term Life Insurance covers a set period. It helps keep your family financially secure if something unexpected happens. This is an affordable option that offers substantial coverage at lower premiums.

Term 100 Life Insurance

Term 100 Life Insurance is the most affordable Permanent Life Insurance in Canada. This type of Life Insurance provides lifelong protection with the lowest premiums. There is no any cash value for this coverage.

Non-participating Whole Life Insurance

This is a Permanent Life Insurance Policy with guaranteed cash value, which is more affordable than Participating Whole Life Insurance and provides permanent lifetime protection to individuals and their families.

Guaranteed cash value Whole Life Insurance

Guaranteed Cash Value Whole Life Insurance gives you coverage for life. This policy does not expire as long as premiums are paid. You can pay fully or for 10, 20 years, to age 65 or to age 100. Whole Life Insurance offers permanent protection and helps you build financial assets over time.

Participating Whole Life Insurance

Pay ONLY for 5, 10, 20 years or up to age 100 and protect your lifelong financial security. It is lifetime coverage that pays whoever you choose a tax-free payment when you pass away. Your premiums will ensure that your policy is guaranteed to grow in cash value. Cash value is the value of the insurance policy that you can access as cash. Your insurance payout is reduced when you access your cash value.

Corporately owned Life Insurance

In the case of Corporately Owned Life Insurance (COLI), the company takes the reins, acting as both owner and beneficiary. It is a strategic shield, ensuring peace of mind while nurturing talent. This insurance helps companies to protect their valuable assets and their profits.

Critical Illness add-ons

Get a one-time tax-free payment if you are diagnosed with a critical illness. This can help pay for medical bills and everyday living costs. Critical Illness coverage helps to avoid high costs from serious health issues such as cancer, heart attacks, strokes, kidney failure, organ transplants and more.

Guaranteed Acceptance Permanent Life Insurance

This insurance provides up to $250,000 Life Insurance + $250,000 Accidental Death Insurance. This is combined with three Life Insurance companies. Age limits apply. You will not be turned down for coverage regardless of your health condition. This non-medical Life Insurance plan offers a simple, lasting solution. It is made for applicants with the toughest insurance needs. No matter your health or past Life Insurance denial, you can still join this plan.

Accidental Death Benefits

Accidental Death Benefits gives extra financial help if there’s an accidental death. This boosts your family’s overall coverage. Accidents can happen anytime. This coverage gives your loved ones extra financial help if a deadly accident occurs.

Final expense coverage

This type of Life Insurance pays for funeral costs and other expenses and helps relieve some financial stress for your family. Final Expense Insurance helps your family manage unexpected bills. It covers costs like funerals, medical expenses and more.

Term Life Insurance

Term Life Insurance covers a set period—typically anywhere from 5 to 50 years. It is a great choice for short- to mid-term financial protection, such as covering a mortgage or supporting your family while your children are growing up. This type of insurance offers affordable premiums and substantial coverage, making it a practical option for many families.

Permanent Life Insurance

Permanent Life Insurance provides lifetime coverage as long as premiums are paid. Unlike term insurance, it includes a cash value component that grows over time, offering both protection and financial growth. It is ideal for those looking to build long-term financial assets, leave a legacy, or handle estate planning needs.