Our Services

Living Benefits:

Your financial goals and future security depend on the strength of a continuous stream of income – imagine being unable to work following an accident or a sickness. How long could you survive without your income? What would happen to you, your family and your financial goals? Appropriate Disability ( Read My Article )
coverage is the key.

A Critical Illness ( English, French ) diagnosis can be a substantial setback. Being diagnosed with a cancer, a heart attack or stroke is likely to bring about major changes in your life. There should be no need to worry about financial issues when you should clearly be focusing on your recovery.

Dealing with the sudden or progressive nature of a Long Term Care need for a family member can be quite a burden. Choosing between staying at home or moving to a Long-Term Care Facility often depends on one's financial means. Wouldn’t you want the freedom to make that important a decision?

What I value the most, is insuring that my clients know that in time of need, the strength of their contracts will come through for them. What I enjoy the most, is introducing my clients to guarantees that can insure that premium dollars are paid back to them… from 62.5% on disability to 100% on Critical Illness protection.

Life Insurance:

Life Insurance can be as straight-forward as Term insurance. Many realize over time the importance of carrying Permanent (or lifetime) coverage ( Read My Article ). Thus the need to thoroughly review.

Understanding the difference between Disability, Critical Illness and Life Insurance coverage

Beyond the initial areas of specialty, other needs will also be discussed:

  • Traditional Mortgage Insurance – what your Bank is offering is not what you think it is
    ( English, French )
  • Loan Insurance – provides life insurance, disability coverage and Critical Illness coverage based on monthly loan payments
  • Health and Dental Benefits – in the absence of benefits at work, available for individuals or families
  • Group Coverage – as a business owner, the possibility of offering benefits to you and your employees
  • Investments – the strength to guarantee your capital in the investment world
  • RRSP, TFSA, RRIF, Education Plans – be it for retirement, or a child’s education
  • GICs – the best rates available in Ontario (short or long term)
  • Alternative to Traditional Mortgage – ManulifeONE