Life and Health Insurance

Taking care of your future for peace of mind today

Our life insurance specialists are available to assist you in determining the right kind of coverage to protect you and your loved ones. With the ability to offer coverage from many different carriers, we can ensure you get the right coverage for you. Insurance is designed to protect your financial security and should be part of everyone’s overall financial blueprint. There are several different kinds of life insurance available, and making the right choice is easier with the guidance of one of our qualified professionals.

Contact a Wealth Management Advisor today!

What is Life Insurance? Expand/Collapse

Life insurance provides a tax-free benefit to beneficiaries when you die. Funds can be used to cover debts and expenses, provide an income for your family, or leave a legacy behind. There are even insurance policies that build savings you can access while still living.

Term Life – offers affordable, flexible protection for a specified period.

Whole Life – permanent protection that is reliable, guaranteed and builds a cash value over time.

Universal Life – permanent protection with tax-advantaged investment growth.

Mortgage Life – covers the balance of your mortgage and unlike creditor insurance, follows you if you move financial institutions.

What is Health Insurance? Expand/Collapse

Health insurance, also known as living benefits, helps to cover the costs of recovery and care from a critical illness, disability, or other health need. It pays cash benefits while you are alive and helps protect your income and financial security.

Disability Insurance – replaces your income when you are unable to work as a result of an accident or illness.

Critical illness Insurance – pays out a guaranteed cash sum if you are diagnosed as suffering from a specified illness.

Long Term Care Insurance – assists in paying for long term care and services.

Health and Dental Insurance – for coverage of routine and unexpected individual health and dental expenses not covered by the Government Health Insurance Plan.

Travel Insurance – offers coverage for unexpected emergency medical expenses while you are travelling away from home.

Business Solutions Expand/Collapse

Ensuring the long-term success of your business, and protecting it from potential financial risks is important, whether the business is small, large, or complex. What would happen if a key individual couldn’t work due to illness, disability or death? What strategies are available to manage business taxes and build equity? What kinds of benefits will you offer to attract and retain top talent? Our life insurance specialists can help.

Key Person Insurance – life insurance used to protect against a company’s financial loss when a person vital to the organization’s success dies.

Group Benefits – these plans provide a variety of coverage for you and your staff, such as life insurance, extended health and dental, and short and long term disability. They can also be tailored to what you as the employer are looking to provide as part of your compensation package.

 

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Qtrade Asset Management
Mutual funds and securities related financial planning services are offered through Qtrade Asset Management Inc., Member MFDA