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We work with major insurance companies to offer convenience and flexibility of employer and employee benefits, especially designed to match the unique needs of a wide range of business owners and their employees.

Through our partners, we are able to help you get competitive products with affordable coverage options that will help you protect what's important - your health and financial well-being.

Having a group employee benefits insurance for your company not only attract the right talent, it also helps with employee retention. It protects employees' financial security and your business. It provides the needed peace of mind for your company and staff.

 

Travel Insurance

Whether you’re planning to travel out of Province, to the United States or Abroad for certain/extended period of time, you always require an affordable way that could protect you against the cost of unforeseen emergency, medical expenses and more that may happen during your trip.

We work with major travel insurance providers to offer excellent travel medical insurance coverage for:

  1. Business and leisure travelers
  2. Expatriates
  3. Work study programs
  4. Tourists and church or missionary travelers

 

Please click here to apply for coverage.

 

Immigrants & Visitors to Canada

Whether you’re just visiting, or planning on making Canada your new home, we can help you to secure insurance for your emergency medical needs while you are in the country. Immigrants & Visitors to Canada Plan is good for Super Visa applicants, frequent visitors to Canada and visitors planning extended stays. It provides 365 days of uninterrupted coverage for emergency medical expenses in Canada. You can also return to your country of origin as many times as you like, without the need to re-apply for coverage when you come back to Canada.

  1. You choose the deductible; $0, $100, $500 or $1,000
  2. You choose the amount of coverage; $25,000, $50,000, $100,000 or $150,000 in total coverage

 

Please click here to apply for coverage.

 

Individual Health Insurance

Even if you have Provincial Health Insurance and Group Insurance from work, just make sure you're covered for everyday health needs, medical emergencies and rising drug and dental costs with supplemental health insurance.

 

Please click here to apply for coverage.

 

Anyone who has dreams of owning a home, mortgage life and disability insurance can really turn out to be a great support that makes the monthly mortgage payments in case of disability or pays off the mortgage balance in the event the borrower dies, so that the loved ones can continue to live in the property mortgage free. In other words, the property will be free and clear. This is a must insurance to consider having in place. In most cases, its reasonable and affordable.

 

If you want a financial solution that will protect you during your lifetime and provide for your loved ones and beneficiaries, you will have to consider Universal Life Insurance. These policies offers flexibility and lifetime protection to help meet your needs.

As your family relies on you, Universal life insurance can be a solution to keep them financially protected even after you pass away. The amount will be paid to the beneficiaries (whosoever you mention in the policy).

With universal life insurance plans, you can have a flexible way to protect your family from various financial difficulties and build the tax-deferred cash value.

Some of its major features include:

  1. Death Benefit- Beneficiary receives tax free proceeds
  2. Access to cash value: Cash Value can be accessed to help with the education expenses, retirement expenses and other personal expenses.

How these insurance plans work?

Choose a guaranteed death benefit amount that your beneficiaries will receive when you die. Your payments or premiums will be deposited to a “Policy Fund”.

Any extra money (more than the required) you deposit for insurance cost could be deposited to accounts to either grow-deferred or to increase the value of your death benefits.

 

Term Life Insurance provides coverage at a fixed premium payment for a limited period of time or term. Unlike permanent life insurance plans, it doesn’t accumulate the cash value and thus comes up as an affordable option.

This can help you to protect your family, home, or savings, should you pass away. The named beneficiaries get paid when the insured dies during the term. Term could be 10 Years, 20 Years and 30 years.

Term life insurance is beneficial for all who care about their family and loved ones and want to provide them with some financial security even after their lives. You may also need this policy to:

  1. Cover some specific financial errands like college expenses or other mortgages.
  2. Get maximum coverage at reasonable price
  3. To supplement the permanent policy or work policy

With term life insurance plans:

  1. Your premiums are guaranteed to remain the same during the term period
  2. You have an option to convert your term policy to a permanent policy.
  3. With the help of add-ons or riders you can get it customized to your personal needs.

 

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