Health & Dental Insurance

It helps pay for things provincial health care plans don’t cover: prescription drugs, dental, hospital, vision, paramedical and ambulance services. Coverage is similar to a group benefits plan. 

When: You’re retiring / You’re losing coverage / You’re self-employed or not eligible for group benefits


Life Insurance

Life insurance provides whomever you choose with a one-time, tax-free payment when you die, as long as you continue to pay your premiums.

There are different types of life insurance, and different ways to make it work for you. It’s not only to  protect your family. It can also be part of your financial plan, so you may be able to access money in your policy while you’re alive. When: Starting a family /Buying a home /Getting married

Term insurance

  • Temporary coverage
  • Lower cost
  • Fixed payments
  • Option to convert to permanent

Permanent insurance

  • Lifetime coverage
  • Higher cost
  • Flexible payments
  • Opportunity to build cash value

Critical illness insurance

Focus on your recovery knowing that you have money to help with your expenses if you’re diagnosed with a serious illness.

Advantage: Tax-free payout; Health experts; Additional support

Disability insurance

Protect your paycheque

Disability insurance works when you can’t. It can give you tax-free monthly income to help pay expenses if an illness or accident stops you from working. While a disability can often be visible to the naked eye, not all disabilities are so easily recognized. Chronic pain or a mental health issue can also qualify as a disability. 

Group Insurance

Group insurance is provided by many employers  or associations to help their employees cover the cost of things provincial health care plans may not pay for, including certain prescription drugs, dental, hospital, vision, paramedical and ambulance services.  You can add life insurance, accidental death and dismemberment (AD&D) and critical illness coverage to eligible plans.

Advantage: Lower-cost / Get the care you need / Customized coverage

Please contact me for getting protected. I need to know exactly what you need and what you want.