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Get peace of mind by knowing that you and your loved ones are protected. Don't overlook the benefits that different types of insurance coverage can do for you.
Get peace of mind by knowing that you and your loved ones are protected. Don't overlook the benefits that different types of insurance coverage can do for you.
Types of Insurances:
Types of Insurances:
Life Insurance
Life Insurance
Many people overlook the benefits of life insurance and view it as an unnecessary expense. However, the importance of life insurance is beyond just an investment since it is not just about your loved ones’ financial stability, it is also about their emotional well-being.
Contrary to some beliefs, a life insurance policy is not just for your personal well-being. A life insurance policy protects the client’s loved ones from financial devastation should the insured pass away. It gives your family and loved ones peace of mind so that they can take the time they need to grieve instead of worrying about how they are going to pay for the funeral. Without life insurance, your surviving family would then need to find a way to pay bills and living expenses.
The money used to pay for insurance coverage can help save the family home in the event of an unexpected death. Proceeds from a life insurance policy can help to protect against the financial ruin of your beneficiaries, especially during the COVID-19 pandemic. We understand the importance of insurance and works actively to provide the most efficient and cost effective life insurance options.
Critical Illness
Critical Illness
A Critical Illness insurance product pays a lump sum benefit if the insured is diagnosed with one of up to 25 covered conditions and outlives the survival period specified in the contract.
This product is for people who want a financial resource to help them cover additional expenses linked to recovery from a critical illness, such as time off work, traveling to receive treatments, home care, renovations, and the cost of treatments not covered by public health insurance.
You might already know someone who has benefited from the protection of Critical Illness insurance. It is also possible that you have not heard much about Critical Illness insurance. Either way, in the event of a catastrophic medical emergency, such as cancer, leukemia, a heart attack, stroke, or a seizure and much more, critical illness insurance may be your sole means of avoiding financial disaster.
Disability
Disability
We’re sure you have had loved ones, friends, or co-workers suffer from an accident or illness that prevented them from working for weeks or maybe even months. When unexpected events occur, it’s difficult to watch people struggle financially due to loss of income. It’s much more difficult to accept if the person is you or your family member. What will a loss of income mean to you and your family? It would most likely be unpleasant, irritating, and even frightening. The great news is that Long-term Disability Insurance benefits will fill a gap in your cash flow.
Your home, vehicle, or retirement fund aren’t your most important assets. The most important asset you have is your ability to earn a living. If you are unable to work for a long period of time due to illness or accident, disability benefits will cover most of your lost wages. If you are young and healthy, it’s easier to get disability insurance, but if you are older or have a pre-existing condition, you may face higher premiums or even be denied coverage.
Disability Insurance and benefits do not just cover unusual incidents. Many claims are for health issues you may not recognize as impairments, such as physical injuries, stress, cardiac arrest, cancer, or any event that your doctor requires you to have bed rest or time off from work.
This may happen to anybody, at any time, in any job. It’s not uncommon that your employer may offer Group Insurance disability benefits for their employees. If your work is primarily a sedentary desk job you may feel the likelihood of missed weeks or months of work due to an injury may seem improbable but stress and illness is very common amongst office workers.
Health Insurance & Health Spending Accounts
Health Insurance & Health Spending Accounts
Health Insurance helps clients protect themselves against medical expenses due to unforeseeable illnesses. During these difficult times, the client will be covered for prescription drugs, registered specialists and therapists, hearing aids, homecare, medical equipment, acupuncturists, chiropractors, naturopaths, physiotherapists, psychologists/psychotherapists/clinical counsellors, registered massage therapists, speech pathologists/therapists, orthotics, hearing aids, homecare and nursing services, prosthetic appliances, durable medical equipment, ambulances, accidental dental procedures, hospital rooms, and vision care.
Final Expense
Final Expense
Ease the emotional and financial stress on your loved ones and executor once you are gone. Work with us to design an end-of-life plan that will outline all your specific details and wishes for your loved ones. Multiple products designed to make all your important end-of-life tasks uncomplicated and ensure your wishes are honoured without burdening your family.
Similar to other funeral insurance packages, this insurance plan takes care of your burial and funeral costs. The key difference is that Final Expense can help your family cover any outstanding debts, probate fees, as well as other expenses.
Travel Insurance
Travel Insurance
Injury and sickness can happen unexpectedly, anywhere, at any moment. Travel insurance means protection and security for you and your family when travelling abroad or just out of the Province. Contact us for a custom quote geared towards your needs.
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