The products and services we offer as independent brokers are:

- Life Insurance

Pays to the beneficiary the sum insured upon the death of the insured individual. The death benefit is not taxable to a named beneficiary. The policy owner designates the beneficary. The policy owner may also be the the insured individual. Joint or multiple life insured individuals can be insured on one policy.

There are three main forms of life insurance:

- Whole Life

Premium is unchanged for the insured's lifetime. The insurance company will pay dividends based on their own results (and are not guaranteed). Accumulated dividends increas the amount payable on death. Dividends can also be used to pay the premiums due in the later policy years. Guaranteed cash surrender values increase with the duration of the policy.

- Term Life

Premium is unchanged for a pre-set period usually 10 or 20 years. At the end of the pre-set period, the premium increases to a new level as stipulated in the policy. It remains level until the end of the second term and then increases again. The insurance will termintate at a pre-determined age between 20 and 85.

- Universal Life

Essentially a term life policy with an investment component. The policy owner can select one or a combination of investment vehicles offered by the insurer. THese are usually mutual funds, bonds or money market funds. The term life products can be 10, 20 or to age 100.

The premiums are variable and change can be requested at any time if the investment element is performing well, premiums could be reduced. Alternatively, if a ten or twenty year term base is chosen, the premiums may need to increase to cover the increased costs. Since a death benefit is not taxable, the accumulated investment element will not be taxed. It will be taxed if the policy holder surrenders the policy before the death of the life insured.

For a life insurance quote click here

- Disability Insurance

Provides a monthly income should the insured individual become disabled from accident, injury or sickness, and can not earn their regular income as a result. Canada Revenue proof of 3 years prior of claim and/or time of application. This insurance is expensive due to the number of claims. Because of this, insurers offer a cash back option if no claim in usually 10 years. For a quick quote click here.

- Term Insurance

Term insurance is initally much less expensive than whole life but much more expensive in the final years. Term to age 100 is a less expensive alternative to whole life but there are no dividends or other savings. However the premiums are level for insured's lifetime. If the life insured reaches age 100, premiums are waived and the death menefit will still apply.

- Critical Illness

Pays to insured individual the sum insured upon being diagnosed wuth any one of a number of medical conditions listed in the policy. These medical conditions vary among insurers. Major conditions are: Heart Attack, Life Threatining Cancer, Blindness, Deafness, Major Organ Transplant, Heart By-pass Surgery, Paralysis, Severe Burns, Alzheimer's Disease, Parkinson's Disease, Multiple Sclerosis, Kidney Failure, Brain Tumour, Coma.

For a Critical Illness Quick Quote click here

- Group Benefits

Provides a combination of coverages for employee groups or associations. Most insurers require a group of at least five persons. The coverages available are: Life Insurance, Accident Insurance, Disability Insurance, Critical illness,

Dental re-imbursement & extended health care (including Prescription Drugs).
A quick Quote form is not available since there are many coverage options and an number of insured persons for whom various information will be required. To obtain our proposal, submit name of company or association, e-mail address and phone number to This e-mail address is being protected from spambots. You need JavaScript enabled to view it

- Segregated Funds

A mutual fund with an "insurance wrapper" around it which provides a maturity & death benefit guarantee to the investment. Good for professionals & business owners since it provides creditor protection..

- Annuities

Convert registered or non-registered savings into an income at retirement. An annuity provides a monthly income flow with certain tax advantages to usually retired people looking for a guaranteed monthly income.