The Most Choices inLife, Disability and Critical Illness Insurance Products.
Life Insurance Brokers with a heck of a lot of products.
Our Life Insurance Broker team is sponsored by Canada`s largest insurance companies and backed by the Investment Executive`s (Canada`s Newspaper For Financial Advisors) top rated insurance brokerage in Ontario. We are partnered with a full range of Certified Financial Planners, insurance company executives and tax specialists to make sure your family, estate and business insurance needs are met.
We are proud to offer you the following portfolio of insurance products:
Life Insurance
- Guaranteed plans with locked in premiums.
- Term Life Insurance for 5,10,20,30, and 100 years.
- Term Life insurance to replace your bank mortgage insurance.
- Business overhead, key person and buy/sell insurance plans.
- Permanent Whole Life insurance with guaranteed cash values and company dividends.
- Permanent Universal Life Insurance tax shelter with customized investments and guaranteed funds.
- Permanent Paid-Up Life insurance with guaranteed cash values, payable for only 10,15, and 20 years.
- Non- Medical Life insurance for those with medical conditions that would make them ineligible elsewhere.
Disability Insurance
- Custom plans for professionals,business owners,executives and employees.
- Own occupation coverage allowing you to work in another gainful occupation while disabled from your own occupation and still receive disability benefits.
- Non-cancelleable and guaranteed plans.
- Coverage for 2,5,and 10 years and to age 65.
- Waiting periods of 30,60,90,120 and 180 days.
- Conditionally renewable after age 65.
- Residual and partial disability benefits.
- Loss of independence existence coverage.
- Future insurability options.
- Return of premium options.
- Waiver of premium option.
- Cost of living indexing.
Critical Illness Insurance
- Guaranteed renewable plans with locked in premiums.
- Up to 26 Illnesses covered including Cancer, Heart Attack, Stroke and MS.
- Term Critical Illness Insurance for 10 and 20 years.
- Permanent Critical Illness Insurance coverage to age 75 and 100.
- Permanent paid-up plans payable for 15 or 20 years or paid up at age 65.
- Child Term to 25 Critical Illness coverage, convertible to an adult plan.
- Return of premium available at year 15,20 or age 65.
- Loss of independence existence coverage.
- Available as a rider on life insurance plans.
- Waiver of premium option.
- World Renowned Best Doctors© Services www.bestdoctors.com
Personal Health Benefits
- Customized plans for self-employed and contractors.
- Various levels of coverage from basic and enhanced to comprehensive.
- Health Care Spending Accounts.
- Full range of prescription drug and dental coverage options.
- Accidental death and dismemberment.
- Chiropractic, Osteopath, Podiatrist, Speech Therapy, Physiotherapy, Psychologist and Naturopath coverage.
- Vision care benefits.
- Semi and private hospital coverage and medical supplies.
- Travel Insurance.
Employee Group Benefits
- Customized plans available for groups of 3 up to 1000 employees.
- Various levels of coverage from basic and enhanced to comprehensive.
- Guaranteed Standard Issue Disability coverage with no medical exams.
- Health Care Spending Accounts.
- Business overhead and key person insurance.
- Full range of prescription drug and dental coverage options.
- Short and Long-Term Disability.
- Group Critical Illness insurance.
- Life Insurance for employee and dependents.
- Accidental death and dismemberment.
- Chiropractic, Osteopath, Podiatrist, Speech Therapy, Physiotherapy, Psychologist and Naturopath coverage.
- Vision care benefits.
- Semi and private hospital coverage.
- Travel Insurance.
Segregated Funds
- Also known as Variable Annuity Contracts.
- Protected investment gains. Locked in and guaranteed with “reset” feature once or twice per year.
- Maturity guarantees. Principal investment is guaranteed.
- Creditor protected. Avoids tax and probate fees.
- By-passes your will for succession planning.
- Considered a trust for tax purposes.
- Similar investments to Mutual Funds.
- Similar returns and risk to Mutual Funds.
- Ability to name beneficiaries.
Bringing You Canada’s Most Trusted Insurance Companies.
Do you have a question about an insurance product? Please ask us below.
Hello,
A friend referred me to your website. I wanted to discuss 20 pay life insurance in more detail. I heard you can receive all of your cash back after 20 years if you want to get out of the plan?
Thanks
Marc
Hi Marc,
True. You can receive some or all of your cash back depending on the plan. Some plans will require you to surrender your policy to receive back all of the cash. Other plans will let you take out some of the cash while still keeping the policy in force.
I’ll e-mail you with more details.
Cheers,
Jeff