Get the most out of life insurance. We have lots of options to help.

Group insurance

Invest in the wellness of your employees with a unique package of benefits that fit their individual needs.

More about Group insurance

Health insurance

Stay healthy and strong. We’ve got insurance to extend medical expenses not covered by government plans.

More about Health insurance

Permanent life insurance

Coverage for your entire life that builds cash value over time. Heck, you can even borrow against it, tax free.

More about Permanent life insurance

Term life insurance

With options available for 10, 20 or 30 years and rates that never change, this is simple and affordable coverage.

More about Term life insurance

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Insurance for all the things in life you love

We’ll make sure your family is in a comfortable financial position if the unimaginable happens – through life and health insurance. Life is short, so spend less time worrying and more time getting out there and enjoying it.

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Term vs. permanent life insurance

There are generally two kinds of life insurance. The first is called term life, which covers you for a specific period of time – usually to protect your family during a new life stage, like getting a mortgage, buying a new business or having a baby. The second, called permanent life, provides coverage for your entire life and builds up cash value that you can use during your lifetime.

Speak with one of our Ontario life insurance brokers for more details.

Why life insurance?

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Family financial security

Most people buy life insurance to keep their loved ones financially secure and able to cover expenses like mortgage payments if the unimaginable happens.

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Leave a legacy

Some people will use their life insurance to contribute to social good and create a legacy by leaving a charitable gift to their most treasured causes.

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Backup for a rainy day

Some life insurance policies include a tax-free savings component that you can use in a pinch, if you really need it. We can help you sort out the details.

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Boost your retirement

If you never need to use your insurance for a rainy day, you may be able to use it later in life. Use the investment to help with living your best life.

Frequently asked questions about life and health insurance:

How life and health insurance work, what they cost and other things you should know

Life insurance premiums depend on a bunch of things including your age and gender, personal and family health history, whether you smoke or drink, what kind of policy you get and what benefit level you choose. Premiums start as low as $10 a month and can go up to $500 a month.

It depends on what you can afford and what your family needs. For example, if you earn $50,000 a year and get $500,000 in coverage, your family will be able to maintain the same standard of living for 10 to 15 years if you pass away. If you have older children that could be plenty coverage. If you have younger kids, you may want to consider more. If you’re a 30-year-old healthy female who doesn’t smoke, $500,000 worth of coverage on a 20-year term will cost less than $25 a month.

In terms of cost, term life premiums can be super affordable if you start when you’re young and healthy – but will increase over time on renewal. Permanent life is more expensive to start at any age, but the premiums never go up. Good to know: a term life policy can be converted into a permanent one if you change your mind.

Most causes of death are covered. Suicide (especially in the first two years of the policy) or death while committing a crime are usually excluded. If you’re seriously ill when you buy a policy, it may affect your premiums or your illness may not be covered as a cause of death. We’ll go over all the details with you and make sure you understand your coverage.

Yes, most life insurance policies cover cancer, unless you already have cancer when you buy the policy. Pre-existing conditions may be excluded.

Health insurance can be a good way to manage your family’s healthcare expenses and protect yourself in the event that you are faced with more substantial health costs due to an illness or injury. Root canals, for example, can cost thousands of dollars. Prescription drugs for some conditions can cost several hundred dollars a month.

Health insurance plans start as low as $80 a month for individuals and $200 for families. The exact premiums you pay depend on the level of coverage you choose.

Health insurance policies can be tailored to your needs and budget. Most policies would provide coverage for:

  • Prescription drugs up to an annual limit, and you would have a co-pay, meaning that you pay 10 or 20% of the cost of the prescription.
  • Dental care – a certain amount for checkups and coverage for more complex procedures like extractions and root canal. Co-pay applies.
  • Vision coverage – Typically covers an eye exam and new glasses every two years.
  • Coverage for 3-10 annual visits to specialists like massage therapists, psychologists, chiropractors and social workers.
  • Many plans offer some coverage for home nursing, hearing aids, ambulance and hospital costs.