Personal coverage

Life Insurance


Tax-free benefit to pay towards debts, taxes and to maintain your family's lifestyle.

Term Life Insurance

Participating Life Insurance

Universal Life Insurance

Guaranteed Issue Life Insurance

Mortgage Life Insurance

Critical Illness Insurance


Tax-free lump sum benefit to cover additional costs if diagnosed with a critical illness or condition. 

"Focus on your recovery, not your finances"

Disability Insurance


Offers financial protection if you're unable to work due to an illness or injury. 

Income Replacement

Loan Repayment

Top-Up Group Coverage

Health & Dental Plans


Enhanced coverage to supplement your provincial government plan. 

Extended Healthcare

Dental Benefits

Prescription Drugs

Vision Benefits

Travel Insurance


Emergency medical coverage for a vacation, visitors to Canada or while studying abroad. 

"Sit back and relax, we've got you covered"



 Segregated fund policies protect your initial investment through built-in maturity and death benefit guarantees. 

RRSP (Registered Retirement Savings Plan)

TFSA (Tax-Free Savings Account)

Non-Registered Savings Plan

Business coverage

Employee Benefits


Attract and retain valuable employees with flexible plan designs to suit your business:

Life Insurance

Accidental Death & Dismemberment

Health & Dental Benefits

Critical Illness Insurance

Short & Long Term Disability Benefits

Employee/Family Assistance Plan

Emergency Travel Insurance

Corporate Life Insurance


Protect your business in the event of a death of a business owner or key employee. 

Key Person Insurance

Buy/Sell Funding for Partners

Capital Gains Tax at Death

Business Loan Protection 

Employee RRSP's


 Employee Registered Retirement Savings Plans with optional employer contribution matching. 

Help ensure that your employees are preparing for retirement.

Corporate Critical Illness


Tax-free lump sum benefit paid to your business while a shareholder recovers from a critical illness or condition. 

Reducing financial strain on your business.

Health Spending Accounts


Canada Revenue Agency approved method to provide medical, dental and vision benefits in a tax-efficient manner.

Health Spending Accounts are an eligible business expense for the corporation and the benefit is received tax-free to the employee.

Corporate Disability Insurance

Tax-free benefit to help pay for expenses like rent, utilities and salaries, so your business can co

Keep your business running smoothly in the event of an injury or illness of a shareholder. 

Tax-free benefit to help pay for business expenses like rent, utilities and salaries. 

Distributor for

Sun Life Financial

Great-West Life

Manulife Financial

Humania Assurance

Canada Life


Benefits By Design

PPI Solutions

Empire Life


RCB Insurance

Assumption Life

Equitable Life