402 - 1245 Esquimalt Road Victoria, B.C. V9A 3P2
If you knew you could always be there for those you love most, you wouldn’t need life insurance. However, life is full of uncertainties and that is why life insurance is so important – it will protect your family’s future and provides you peace of mind today.
A critical illness can happen to anyone!
While healthy lifestyle choices can be your best defence against some health risks, a critical illness such as cancer, stroke or heart disease can strike anyone at any time.
One in three Canadians will develop a life-threatening cancer
One is two heart attack victims are under 65 years old
Your biggest asset is your ability to earn an income. Disability Insurance is a living benefit that provides you with continued income if you become unable to work due to illness or injury.
All disability insurance benefits are paid out tax-free. Disability insurance is highly tailorable with many options to develop a comprehensive plan for any occupation.
Statistics show that prior to age 67, the chances of being disabled for three months or more are significant. What are your chances of becoming disabled for a period of more than 90 days before you reach the age of 67?
Whether you are looking for year-round coverage that will cover all trips out-of-province and out-of-country or looking for single-trip coverage for a quick getaway we can find the right travel package.
Long Term Care Insurance provides a financial benefit for in-home nursing or nursing home care.
Long term care can quickly deplete life savings, costing thousands of dollars a month, making this form of insurance a must for retirees. This type of policy allows the insured to protect their hard earned retirement savings and maintain independence and dignity.
Long Term Care insurance is available for individuals aged 30 through 80, it is idea for those persons that are approaching the age of retirement and do not want to become a burden to their families. It can be purchased to provide a daily benefit, a monthly benefit or a lifetime benefit.
A participating policy is an insurance contract that pays dividends to the policy holder. Participating life insurance provides a combination of permanent life insurance (whole life insurance) protection and an opportunity for tax-preferred cash value growth. The base insurance protection is guaranteed for life, as long as you pay the premiums on time.
If you knew you could always be there for those you love most, you wouldn’t need life insurance. However, life is full of uncertainties and that is why life insurance is so important – it will protect your family’s future and provides you peace of mind today.
Term Life Insurance is the most straight-forward form of protection. Term Insurance provides coverage with rates banded by pre-selected periods of time. If the insured dies during this period the named beneficiaries receive a lump sum of tax-fee money.
Term Life Insurance is an ideal solution for young couples or families that have a limited budget and require a large amount of insurance to protect their mortgage, their income and their family’s well-being. Term insurance is initially much less expensive when compared to permanent life insurance. Unlike most permanent insurance products, term insurance has no cash value.
Like participating life insurance, universal life insurance is permanent, meaning it lasts the rest of your life as long as you pay the premiums.
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