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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
