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Seize the moments that make life worth it. Insurance protection can help give you the confidence to embrace every opportunity to live each day to the fullest.

Since no one’s circumstances are the same, their insurance protection shouldn’t be either. Generally speaking, insurance is a good idea if someone depends on you financially. 

Critical illness insurance

Critical illness can give you a tax-free payment if you’re diagnosed with a serious condition. Your contract will define which conditions you’re covered for, but some examples include cancer, heart attack or stroke. 

  • Choose the coverage amount you want. 

  • Pay your premium. 

  • File a claim if you’re diagnosed with a critical illness.

  • Receive your payment. You may have to wait a set period of time depending on your condition. 

Child at the Doctor

Life insurance

It’s temporary coverage that provides the people or charities you name as beneficiary with a tax-free payout if you die within the term you choose.* Footnote *The money can be used to pay bills, the mortgage, kids’ education or to keep your business running.

The payments you make, called premiums, are set for the term you choose and won’t change during that period. 

  • Choose the coverage amount and term length you want.

  • Customize your coverage with additional benefits.

  • Pay the monthly or annual premiums.

  • When the term is up, your policy will automatically renew each year, or you can end it or convert it to longer-term or permanent life insurance, within limits.

  • If you die while your policy is active, the people or charity you named as beneficiary receive a tax-free payout.

Disability insurance

It can give you a tax-free monthly payment to help replace your income and cover your expenses if an illness or injury keeps you from working.

While a disability can often be visible to the naked eye, not all disabilities are so easily recognized. Chronic pain or a mental health issue can also qualify as a disability. 

  • Choose the amount you want and add optional benefits to customize your coverage.

  • Pay your monthly premium.

  • File a claim if you become disabled.

  • Receive your monthly payments when the waiting period ends. The waiting period is the number of days from the date you’re disabled until the benefit start date.

  • Your payments stop when your benefit period ends or you return to work.

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Health and Dental Insurance

What do our plans cover?

You can tailor your coverage to include a range of healthcare needs, such as:

  • Routine dental services

  • Eye exams, glasses, contact lenses and laser surgery

  • Prescriptions drugs

  • Physiotherapy, chiropractor visits and massage therapy

  • Social workers and psychologists

  • Naturopaths, dieticians, acupuncturists, no referral needed like all our paramedical services

Creditor Insurance

When you take out a mortgage, personal loan, line of credit, or credit card, you want to know you and your family will be protected if something should happen to you, and that your loved ones won’t be stuck with a debt they can’t handle.

This is where creditor insurance comes in. Sometimes known as credit protection, it can help pay off or pay down your mortgage or loan, or make your payments if the unexpected should happen. This can include coverage if you die.

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Carpenter at Work

Workplace Benefits

Whatever life throws at you, your workplace benefits can help keep you and your family covered.

Workplace benefits are provided by many employers or associations to help their employees cover the cost of things provincial health care plans may not pay for, including certain prescription drugs, dental, hospital, vision, paramedical and ambulance services.  

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