INSURANCE

Why Should I Have Life Insurance?

Financial Security and Peace of Mind for Loved Ones: 

It provides a tax-free payout (death benefit) to your beneficiaries, helping them cover expenses like mortgage payments, debts, income replacement, estate preservation and education costs. Knowing your family will be financially protected if something happens to you offers emotional reassurance and reduces stress during uncertain times.

Why Should I Have Travel Insurance?

Emergency Medical Coverage: 

It covers unexpected medical expenses abroad, which is essential and if not covered can be extremely costly if you're traveling outside your home country
 

Trip Cancellation or Interruption Protection: It reimburses you for non-refundable travel costs if your trip is cancelled or cut short due to covered reasons like illness, injury, or unforeseen events.

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Why Should I Have Critical Illness Insurance?

Provides a Lump-Sum Payout on Diagnosis and giving you Financial Stability during recovery: 

If you're diagnosed with a covered serious illness (like cancer, heart attack, or stroke), you receive a tax-free lump-sum payment that you can use however you choose — for medical treatment, covering lost income, paying bills, or even seeking care abroad.

 It also provides a financial cushion so you can focus on recovery without the added stress of working or dipping into savings, especially since many Canadian disability plans may not fully cover all expenses.

Why Should I Have Disability Insurance?

Income Protection:
Disability insurance replaces a portion of your income if you're unable to work due to illness or injury. It helps you keep up with essential expenses like rent, mortgage payments, utilities, and groceries while you recover.

Financial Stability During Recovery:
Whether your disability is short-term or long-term, this coverage ensures you don’t have to dip into savings or go into debt to manage day-to-day living costs while you're unable to earn income.

Peace of Mind:
Knowing you’re protected allows you to focus on your health and recovery—not on financial stress. Disability insurance provides a safety net so an unexpected illness or accident doesn’t derail your financial future.

Why Should I Have Group Insurance?

Comprehensive Coverage at Lower Cost:
Group insurance plans—offered through employers or associations—provide access to a broad range of benefits like life, health, dental, and disability coverage, often at a lower premium than individual plans.

Guaranteed Access, Fewer Barriers:
Group plans typically offer guaranteed acceptance with minimal or no medical underwriting, making it easier to get coverage regardless of your health history.

Why Should I Have Health & Dental Insurance?

Coverage for Everyday and Unexpected Expenses:
Health & Dental insurance helps cover costs not included in your provincial or basic health plan, such as prescription drugs, vision care, dental cleanings, and paramedical services like physiotherapy or massage therapy.

Preventive Care & Early Treatment:
Regular checkups, cleanings, and routine health services are more affordable with insurance, helping you catch potential issues early and maintain long-term wellness.

Protection from Out-of-Pocket Costs:
From unexpected dental procedures to rising prescription costs, this coverage helps reduce your out-of-pocket expenses and provides financial peace of mind when health issues arise.

Why Should I Have Corporate Insurance?

Financial Protection:

Corporate Life Insurance provides financial protection for businesses by covering key personnel, ensuring business continuity, funding buy-sell agreements and offering potential tax-advantaged strategies for wealth transfer and estate planning.

 Attracts and Retains Talent: 

Enhances employee benefits, making the company more appealing to current and prospective staff.