Permanent Life Insurance
Permanent Life Insurance is the protection plan that refers to the coverage never expires.
Universal Life Insurance
Universal Life (UL) Insurance is a form of permanent life insurance with an investment savings element. It comes with some liabilities in term of section of investments and premiums.
Term Insurance
The term insurance policy is issued by a mortgage lender for their best interest not your as they will the beneficiary not your family. We can provide a better solution to worth your hard earned money.
Corporate Estate Planning
Estate planning for Corporate Executives and Business Owners to help them generate wealth by shifting resources within the corporation. We will help you achieve your personal and business objectives, retain and maximize the transfer value of your business and select appropriate creditor protection strategies.
TFSA - Tax Free Savings Account
A tax-free savings account (TFSA) is an account in which contributions, interest earned, dividends, and capital gains are not taxed, and can be withdrawn tax-free. Means you pay tax now and get your indexed money tax free.
RRSP - Registered Retirement Savings Plan
RRSP is a retirement savings and investment vehicle for employees and the self-employed in Canada. Pre-tax money is placed into an RRSP and grows tax-free until withdrawal, at which time it is taxed at the marginal rate.
RESP - Education Savings Plan
A registered education savings plan in Canada is an investment vehicle available to caregivers to save for their children's post-secondary education. The principal advantages of RESPs are the access they provide to the Canada Education Savings Grant and as a method of generating tax-deferred income.
Super Visa & Travel Insurance
Super visa insurance provides coverage for issues such as emergency medical and dental care, hospitalization, prescription medication and repatriation of remains.
Health, Dental & Drugs Insurance
It helps pay for things provincial health care plans don't cover: prescription drugs, dental, hospital, vision, paramedical and ambulance services. Coverage is similar to a group benefits plan.
Non-Medical Insurance
As the name suggests, non-medical life insurance assumes no medical test when issuing a policy as opposed to a traditional policy where medical tests are required. Quick and easy way to get coverage without going through the entire process.
Long-Term Care Insurance
Long term care insurance can provide coverage if you become unable to care for yourself and need assistance to manage daily living activities. Long term care isn't just for seniors. You may become unable to care for yourself for 90 days or more at any point in your life.
Critical Illness Insurance
Critical illness insurance is a living benefit insurance policy that pays out a tax-free lump sum if you develop a specified illness, health event, or undergo treatment while under its coverage. Critical Illness provides financial protection to you and your family, helping you to stay focused on getting well.
Disability Insurance
Disability insurance is designed to replace a portion of your income if you become disabled and are unable to earn an income. A disability can result from a number of causes, including an injury, a serious illness or a mental health issue. And the duration of a disability can be either short- or long-term.
Investment Advisory
Investments are the curial vehicles to generate wealth and assets by utilizing your hard earned money in registered or non-registered, long term or short terms plans to achieve your future goals.
International Student Health Plans
International student insurance on emergency medical treatments and hospital in Canada for those who attend schools in Canada.
