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Life insurance is necessary and used to protect the financial security of the people you care for in your life. A life insurance policy pays a cash benefit to your beneficiaries when you die. The amount of money for which you are insured and the type of insurance you buy depends on your current and future needs. The most common types of life insurance are Term Life Insurance, Permanent life insurance, & Universal Life Insurance.

Disability Insurance: will replace a portion of your income if a disability occurs and prevents you from doing your regular occupation and you are unable to earn an income. There are different types of disability insurance coverages, including an individual insurance policy, group insurance coverage through your employer, Worker’s compensation and benefits with the Canadian Pension Plan. It is important that you understand what type of coverage you have and how and when it will be paid to you as each type of plan is very different from another.

Critical Illness: provides a lump sum payment tax free in the event you suffer from a life threatening critical illness and survive usually after 30 days. Illnesses such as a heart attack, cancer,& stroke. Each insurance company differs from one another so it is important to understand the types and plan coverages available. In some cases you can purchase Critical Illness and have all your premiums returned to you at a specific time should you not suffer an illness.

Long Term Care Insurance