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OUR SERVICES

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Employee Benefits

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Offering your employees a comprehensive benefits plan will help ensure their needs are met, family protected, reduce absenteeism, attract and retain top talent, not lose out to competition. We customize plans and have predesigned Gold Silver Bronze packages below.

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Benefits Offered 

  • Life

  • ADD

  • Dependent Life

  • Long Term Disability

  • Short Term disability

  • Health

  • Dental 

  • EAP

  • HCSA/LSA

Owner & Executive Coverage

We will help you focus on your business objectives by ensuring you have the proper plans and products in place that will help you build a successful business. Protecting the business owners and leaders will help them spend time on the more important facets of their day to day operations.

 

Benefits Offered

  • Corporate Owned Life Insurance 

  • Critical Illness 

  • Disability 

  • Buy Sell 

  • Key Person

  • Business Disability 

  • Business Loan Protection

  • Business Overhead Insurance

  • Individual Pension Plan

  • Medical Insurance

Retirement & Pension

Retirement is a period of transition. It is important that employees are aware of what options are available to them and which ones are best suited to their current situation. We will help your employees better understand which solutions work best.

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Benefits Offered

  • Group RRSP - Group Registered Retirement Savings Plan

  • TFSA - Tax Free Savings Account

  • RPPP - Registered Private Pension Plan

  • RRIF - Registered Retirement Income Fund

  • LIF - Life Income Fund

  • LIRA - Life Income Retirement Account

  • Executive Compensation 

  • DBPP - Defined Benefit Pension Plan

  • DCPP - Defined Contribution Pension Plan

  • DPSP - Defered Profit Sharing Plan

Individual & Family Coverage

There are many different scenarios and stages in life that call for different types of insurance. Marriage, new homes, children, disability, business protection and estate panning. 

Every client is unique and has different objectives.

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Benefits Offered 

  • Term Life 

  • Universal Life 

  • Whole Life

  • Participating Life 

  • Disability coverage 

  • Critical Illness 

  • Long Term Care

  • Individual Health & Dental 

  • Travel Insurance 

  • Non-Medical coverage 

  • RESP - Registered Education Savings Plan

  • RDSP - Registered Disability Savings Plan 

  • Non-Registered or Open Investment Plans

  • Locked-In Plans (LIRAs, LIRSPs, LIFs, LRIFs)

Specialty Coverage


Extra levels of insurance can be extremely beneficial in providing additional security based on your unique lifestlye. Don't let the hobbies and activities personal to you be a reason to not have the proper level of insurance and coverage that you need.

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Benefits Offered 

  • OHIP replacement coverage 

  • Coverage for high earners

  • Trip or event cancellation insurance

  • Coverage for people in between employment 

  • Optional Coverage - Life, AD&D, Critical Illness coverage

  • High risk destination protection - kidnap, ransom, war, terrorism, diaster relief

  • Expatriate, inpatriate or dependant out of country health coverage 

  • Coverage for anyone previously declined

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