Nobody plans on getting sick or becoming disabled, but we should always be prepared for life’s ups and downs, Living Benefits coverage ensures that you will have adequate finances and resources available to you in the event of an accident or illness.


Disability Insurance:

Disability insurance coverage is designed to provide you with a monthly income in the event you are unable to work due to an illness or an injury.  The benefits secure your main source of income or could supplement the coverage you receive from your employer, enabling you to concentrate on your recovery without compromising your current lifestyle.


Critical Illness Insurance:

The cost to treat and cope with a critical illness is significant and unexpected. Even though most will survive heart attacks, strokes and cancer, survival does not ensure your financial and emotional stability.  Critical Illness insurance helps to cover the cost associated with recovering from a life altering illness. These plans also offer you Medical referral services and counselling and support services when you need them the most.


Health and Dental insurance:

In Canada, we are fortunate to have one of the best healthcare systems in the world, but provincial plans do not provide us with all the coverage we need. As governments cut back their healthcare coverage, you will be left to pay for expenses such as prescription drugs, dentist visits, eye exams, paramedical services and ambulances. We offer you a wide range of healthcare plans to help protect you against unexpected health and dental expenses.


Long Term Care:

Simple everyday tasks like feeding, bathing and dressing could become a major challenge at some point in the future, putting pressure on you and your loved ones. Knowing that 1 out of 2 Canadians will use long-term care after the age of 65, are you willing to take the risk? Long Term Care Insurance provides an income-style benefit if you are unable to take of yourself due to aging, an accident, illness or mental abnormalities.

Luck is what happens….
when preparation meets opportunity


– Roman Philosopher, mid 1st century AD