Eight plans. One advisor.
From a first term-life policy to a retirement income plan, we place coverage with Canada’s top carriers — and stay on as your point of contact for the life of the plan.
Life Insurance
Lifetime protection tailored to your family, your mortgage, and your milestones.
Life insurance is the cornerstone of any sound financial plan. Whether you need term coverage to protect a mortgage and replace income during your working years, or permanent coverage for estate and legacy planning, we match you to the right structure at the right price. We place policies with fourteen Canadian carriers and do not favour any of them — we favour the one that fits you.
- Term 10, 20, and 30 year options
- Whole and universal life available
- Non-medical and simplified issue where eligible
- Preferred rates for non-smokers in good health
Travel & Super Visa Insurance
Reliable protection for trips abroad and extended-stay visitors to Canada.
Super Visa insurance is a federal requirement for parents and grandparents visiting Canada — minimum $100,000 in emergency medical coverage from a licensed Canadian insurer. We review pre-existing conditions carefully before recommending a carrier, so there are no surprises at claim time. We also place single-trip and multi-trip travel insurance for Canadians travelling outside the country.
- Meets all IRCC Super Visa requirements
- Monthly and annual billing options
- Pre-existing condition coverage available
- Same-day policy issuance for most applications
Mortgage Protection
Keep your mortgage on track, even through illness, disability, or job loss.
Bank-sold creditor insurance pays the lender, not your family, and decreases in value as you pay down your mortgage. Independent mortgage protection pays your family a fixed, tax-free lump sum — they decide how to use it. Coverage travels with you if you move or refinance. We build plans that cover death, disability, critical illness, and in some cases job loss.
- Fixed benefit that does not decrease
- Your family receives the payout, not the bank
- Portable across lenders and properties
- Disability and critical illness layers available
Health & Dental
Flexible day-to-day coverage for you and the people who share your address.
Provincial health plans cover the basics. Extended health and dental coverage fills the gap — prescription drugs, dental cleanings and procedures, vision care, paramedical services, and more. We place individual and family plans for self-employed Canadians, retirees, and anyone between group benefits. Plans can be structured to cover pre-existing conditions with the right carrier.
- Prescription drug coverage
- Dental: preventive, basic, and major
- Vision care and eyewear
- Paramedical: physio, chiro, massage, and more
Living Benefits
Access funds during critical illness, disability, or recovery — while you still need them.
Living benefits is the umbrella term for coverage that pays out during your lifetime in response to a serious health event. Critical illness insurance pays a tax-free lump sum if you are diagnosed with a covered condition. Disability insurance replaces a portion of your income if illness or injury prevents you from working. These products are often overlooked and consistently undervalued until they are needed.
- Critical illness: lump sum on diagnosis
- Disability: monthly income replacement
- Return-of-premium options available
- Covers 25+ conditions depending on carrier
Pension & Retirement
Build a predictable income stream you can actually live on in retirement.
Accumulating retirement savings is the first half of the problem. Converting them into a reliable monthly income is the second — and harder — half. We help clients structure retirement income using annuities, registered plans, and CPP/OAS optimization strategies. The goal is a plan where essential expenses are covered by guaranteed income, leaving discretionary savings flexible for the years ahead.
- Life annuities and term-certain annuities
- CPP timing strategy and optimization
- RRSP and RRIF planning
- Bridging strategies for early retirees
Estate Planning
Pass on what you’ve built with less tax friction and fewer difficult conversations.
At death, registered assets are deemed disposed of at fair market value. Without planning, a significant portion of an RRSP or RRIF can be lost to tax before it reaches your family. Life insurance is one of the most efficient tools for estate equalization and tax mitigation — the benefit is paid tax-free, outside of the estate, and immediately. We work alongside your accountant and lawyer to ensure the coverage structure aligns with your overall plan.
- Final expense and estate tax coverage
- RRSP/RRIF meltdown strategies
- Beneficiary designation review
- Business succession and key-person coverage
Group Benefits
Custom health, life, and dental plans for teams of two to two hundred.
Group benefits help attract and retain employees, and the premiums are a deductible business expense. We design and place group plans that include extended health, dental, life insurance, disability, and employee assistance programs. We review plans annually to make sure coverage keeps pace with your team as it grows. For small businesses and sole proprietors, we also place individual plans that mirror group benefit structures.
- Extended health and dental for employees
- Group life and disability
- Employee assistance programs (EAP)
- Annual plan reviews included
Tell us what you need. We’ll find the fit.
A free, no-obligation conversation with a licensed advisor. Most people leave with a clear picture of what they need — and what they don’t.