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Risk Management (Insurance)

Despite our best intentions, sometimes life doesn’t unfold as planned. However, there are steps you can take to provide you and your loved ones with financial security; despite life’s twists and turns. Whether you suffer a disability, get sick, require assistance with your daily activities or pass away, you and your beneficiaries can receive financial benefits. These benefits can allow you and your loved ones to concentrate on what’s most important: family, friends, health and happiness. They can even allow you to create a legacy.

There are a number of tools that can be utilized to mitigate life’s risks:


Personal Insurance

Life insurance pays a tax-free cash benefit to your beneficiaries when you die, which can be used to pay debts and expenses, provide an income for your family, and leave a legacy to family members or a charity. In addition, some insurance policies can also build savings which you can access while still living.

We offer three types of coverage, depending on your needs:

  1. Term
  2. Whole Life
  3. Universal Life


Business Insurance

Owning and operating your own business can be rewarding. But ensuring its long-term success and protecting it from financial risks can be challenging.

How will your business continue if you, a partner or other key employees can’t work due to a serious illness, disability or death? What strategies will you use to help build equity and manage business taxes? How will you provide benefits that help attract and retain the best people for the job?

Similar to personal life insurance, business insurance can be used to:

  • Fund a buy-sell agreement in the event of an owner’s death
  • Provide business loan protection
  • Cover capital gains tax on death
  • Save money by covering more than one key person within one convenient plan
  • Cost-effectively enhance your employee benefit package

Out-of-Province medical coverage pays for medical treatment, up to the limits of the policy that is not covered by your Provincial medical service plan (MSP).

Trip cancellation coverage, an available component of travel insurance, provides re-imbursement of pre-paid bookings if you have to cancel your trip due to medical reasons. 

Depending on your needs, travel insurance can be purchased for a single trip or multiple trips throughout the year.

For coverage on your next trip, click here: Travel Insurance Quote

Disability insurance can provide you with financial security by replacing a portion of your earnings when an accident or illness causes you to become disabled and unable to work or earn an income.

Accidents and illnesses are a fact of life. They could happen to anyone at any time. Did you know that:

  • 1 in 3 people, on average, will be disabled for 90 days or longer at least once before age 65.
  • The average length of a disability that lasts over 90 days is 2.9 years.

Both personal and business disability insurance solutions are available that offer flexibility and features to help bridge the gap between income and expenses during a disability.

A critical illness is hard enough to deal with ,without the financial burden that it imposes.  Critical illness insurance helps cover the unexpected costs and potential loss of income associated with a serious illness. From the costs of medicine and treatment, to travel, specialist and home accommodations, treating and recovering from an illness can have a devastating financial impact. Plus, if you’re unable to work during your recovery, the impact is even greater.

With critical illness insurance, if you become sick with one of the covered conditions covered by your policy and survive the waiting period, you receive a cash benefit. You can then use the funds as you wish.

It's easy to take our ability to perform day-to-day activities for granted when we have our health, but this can change... especially as we age.  While the inability to perform day-to-day activities can happen to anyone, at any age, it can be especially difficult as we grow older.

Fortunately, most of these changes aren't dramatically different from one day to the next - it's more of a gradual process. In fact, you will likely pass through 5 stages of care, to some degree, in your retirement.

When you build and review your retirement income plan, it's important to consider your future health care needs. Long term care insurance can help protect this plan thus helping you maintain your standard of living as much as possible.