What we do
We provide a full range of the most competitive product offerings available in the industry.
For over 40 years we have worked diligently with our clients to develop trustworthy relationships that help us deliver the best insurance and financial advice to both individuals and corporations.
Individuals
Financial/Retirement Planning
We can help you build a solid financial plan for your financial security and independence whether you live too long, die too soon or become disabled. Our process involves a policy audit of your existing coverage, budget review, needs analysis and firm recommendations for accomplishing your financial goals.
Life Insurance
In the case of your premature death, would your family be able to maintain their lifestyle? Life insurance has unique tax planning opportunities that can be used to assist you in building your balance sheet, protecting your assets through your working years and providing a supplemental retirement income.
Disability Insurance
Your most valuable asset is your ability to earn an income. Many group plans offered by employers do not provide adequate coverage. Self-employed individuals may have little or no coverage. We can help you top up your coverage to protect your income more appropriately in the case of a disability.
Critical Illness Insurance
Protect your family and yourself from an unexpected illness. Critical Illness insurance protects your hard earned assets against depletion as a result of unforeseen medical costs or work interruption. If you don't make a claim, you could get 100% of your premiums back.
Corporations
Executive/Employee Benefits
Benefits for employees are key to retaining good people to operate and grow your business. Our process will analyze the design and cost competitiveness of your existing plan as well as effectively communicating the value of your benefit program to your employees. Cost containment features are an important part of every plan design.
Group RRSP/Pension Planning
Proper retirement planning is important for all Canadians. Many employers want to assist in the process of helping their employees prepare for retirement. Through various arrangements permitted by the Canada Revenue Agency, we can provide plans for just one person or your entire employee group.
Shareholder Succession
Small business succession planning is complex, often involving the dynamics of family business relationships spanning more than one generation. Our process involves understanding and assessing these interpersonal dynamics as well as providing affordable and tax effective solutions that guarantee the continuity of your business.
Key Person Insurance
The loss of a valued employee, through death or disability, can have a significant financial impact on your business. Replacement costs and lost profits could impact your business plan and credit arrangements.