Individual Benefits

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Protection for your family & business.

• 10 - 20 - 30 year term insurance
• permanent insurance (universal life, participating life, term to 100)
• individual, multi-life, joint first to die

Most catastrophic illnesses are survivable.

• guaranteed payout after 30 days
• coverage amount available to meet your family needs
• coverage for most critical illness (such as cancer, heart attack, stroke)
• refund of premiums option

Retiring? In between jobs? Starting your own business?

• health and dental coverage for you and your family
• guaranteed rates 
• reasonably priced
• no medical underwriting for many plans

Protect your most important asset - YOU!

• illness and / or injury coverage
• provide income protection if you can't work
• coverage up to age 65

Planning to leave the country or province for even a day?

• catastrophic emergency coverage
• trip cancellation, baggage loss
• pre-existing condition coverage

Buying a house? Consider Life insurance as an option.

• avoid pitfalls in lender's mortgage insurance product
• personal life insurance is fully guranteed and underwritten at time of purchase
• pays out to loved ones, not the bank
• often less expensive than bank's mortgage insurance too!