Services

Health Care Spending Account (HCSA)

Health Care Spending Account (HCSA) A Health Care Spending Account provides an amount of money to an individual to pay for health or dental benefits for themselves or their dependents that were not previously paid from the main benefit plan. This is a great alternative to traditional benefit plans that benefits all parties. The Employer […]
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Disability Insurance

Disability Insurance Disability insurance is a type of insurance policy that provides income replacement benefits to an individual in the event that they become disabled and are unable to work. This type of insurance is designed to protect individuals and their families from financial hardship if they are unable to earn an income due to […]
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Critical Illness Insurance

Critical Illness Insurance Two in five Canadians will be diagnosed with cancer in their lifetime, and one in three will suffer from heart disease. And while our quality of health care has ensured that a healthy prognosis is better than ever, nothing is said about the cost of care. Unprotected, recovery from illness can take […]
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Universal life Insurance

Universal life Insurance Like participating life insurance, universal life insurance is permanent, meaning it lasts the rest of your life – as long as you pay the premiums. Universal life insurance combines the advantages of a permanent, lifelong policy with a tax-advantaged investment component. So, what may make universal life insurance right for you today? The […]
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Travel Insurance

Travel Insurance Travel can mean encountering the unexpected; ranging from the inconvenient to a truly serious emergency. Travel protection plans offer comprehensive benefits to meet the challenges of travel and help you enjoy a worry-free trip   Your cruise line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who will […]
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Group Health Insurance

Group Health Insurance Group health insurance is a type of health insurance policy that is offered by an employer or other organization to its employees or members. It provides medical coverage for a group of people, rather than for individuals. This type of insurance usually provides coverage for medical services such as doctor visits, hospital […]
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Permanent (whole of life) Insurance

Permanent (whole of life) Insurance Permanent (whole of life) Insurance is a type of life Insurance that provides coverage for the entire lifetime of the policyholder. This type of Insurance is different from term life Insurance , which provides coverage for a specific period of time, such as 10, 20, or 30 years. With permanent […]
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Family Health Insurance

Family Health Insurance A private health insurance plan is the key to extending your personal medical coverage beyond the basic coverage of Canada’s Medicare system. As most people know, If you rely completely on provincial health insurance, you will discover how very quickly medical bills can pile up when you least expect it. The provincial […]
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Term Life Insurance

Term Life Insurance Term life insurance is attractive to young people with children. The parents can obtain substantial coverage for a low cost. If the payout is needed, the family can rely on it to replace lost income.   These policies are also well-suited for people with growing families. They can anticipate that coverage will be […]
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Commercial Insurance

Commercial Insurance We lead clients through accelerating change, helping them harness the power to deliver new. We offer complete line of business overages including but not limited to Auto, Cargo, Commercial general liability (CGL) , Commercial property, Crime coverage, boiler and machinery (Equipment breakdown), business interruption, professional liability (E& O) , Directors and officers liability […]
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