Life Insurance

Term life insurance

Term life insurance is a simple and affordable way to help you meet short-term protection needs over a defined period of time. It is ideal for those seeking basic coverage when insurance needs/financial risks are highest but available funds are limited – for example, a couple with young children and/or mortgage.

Permanent life insurance

Permanent life insurance provides insurance coverage for life. It also offers cash values that can grow over time to either increase the value of your death benefit or help pay for future goals like an education fund, starting a new business or supplementing your retirement income.

Universal life insurance

Universal life insurance combines the benefits of a lifetime insurance policy with a tax-advantaged investment component that you select and manage based on your risk profile and objectives. It also offers the added convenience and flexibility of adjustable premium and payment schedules.

Living benefits

 

Critical illness insurance

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

  • Tax free payout. A one-time benefit payment that you can use for whatever you need.
  • Health experts. World-renowned specialists can help you and your family at any time for any condition.
  • Additional support. Get counselling and other services from professionals during your recovery.

Critical illness insurance can give you a tax-free payment if you're diagnosed with a serious condition. Your contract will define which conditions you're covered for, but some examples include cancer, heart attack or stroke. 

Health insurance

As Canadians, we’re fortunate to have public healthcare coverage – but that doesn’t mean your provincial healthcare plan provides you with all the healthcare coverage you need.

You may be left to pay for expenses such as:

  • Prescription drugs
  • Visits to the dentist
  • Eye exams
  • Paramedical services
  • Transportation by ambulance

Our group benefit plans can help protect you against these and other unexpected healthcare expenses. From basic coverage to the maximum protection available, our plan selections, optional benefits and valuable services can make it easy for you to prepare for your healthcare needs.

Preserving your business

As a business owner, it's important to consider the various ways to cover the risks your business faces, protect your employees and build employee satisfaction and loyalty. We offer a number of solutions to help business owners like you protect and grow your business.