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Life Insurance

LIFE INSURANCE is important as it protects your family and lets you leave them a TAX-FREE amount upon premature death. It is also used to cover your mortgage and your personal loans, such as car loans. Your individual life insurance follows you when you retire, and you are no longer insured with your employer. This insurance will also replace your family income when resources are less so they can maintain their quality of life.

Life insurance provides financial security for your family, your loved ones, and your business. With life insurance, you can give them a TAX-FREE payment upon premature death. See YOUR TOP REASONS why getting life insurance coverage is a MUST

  1. To ensure my family has enough money to keep their current standard of living, cover my funeral costs and pay off any DEBT.

  2. To make sure my family could cover the mortgage payments and all the associated maintenance costs if you died too soon.

  3. To ensure your children have all the opportunities you dreamed off, that there will be enough money for daycare or tuition for college or university.

  4. It ensures business continuity if you or a business partner passed away.

  5. It completes life insurance coverage offered through your employer.



- TERM LIFE INSURANCE: A flexible life insurance protection.
Provides you an affordable life insurance need for your family or your business to meet your temporary needs. It is an ideal solution for protection that can cover your mortgages, debts, and final expenses or for small business planning.


- PERMANENT LIFE INSURANCE: A lifetime insurance coverage to protect your family and your legacy.
If you’re looking for a solution that provides guaranteed lifetime insurance protection. Your premiums will not change over your lifetime. Get coverage early for peace of mind and live your life worry free.


Who is it for:

  1. Individuals who would like to leave a legacy

  2. Individuals who want to have sheltered accumulation as part of their supplementary retirement income plan

  3. Individuals who are concerned for estate maximization

  4. Mature individuals looking to protect their estate for their heirs. Estate preservation and asset protection plan

  5. Young children needed a long-term value

  6. Individuals wanting affordable insurance for various financial planning strategies

  7. For business owners who like to ensure their business continuity


Permanent life insurance that ensures the growth of your estate. It is best designed for estate protection and wealth accumulation. Protects your family while giving you access to dividends:


Who is it for:

  1. You want to leave a larger estate to your loved ones and, if needed, benefit from liquidity for your retirement

  2. You want to offer your children or grandchildren a solid financial foundation

  3. You are a business owner looking for life insurance coverage that generates growth

  4. Children taking advantage of their age for lower rates

  5. Families adverse to volatile swings in investment returns in the market

  6. Small business with short- and long-term protection needs


A combination of permanent life insurance and savings offers you lifetime coverage and the opportunity to save with certain tax benefits.


It is the ideal solution for individuals who:

  1. Would like to leave a significant inheritance

  2. You have contributed the maximum amount to your RRSP and your TFSA

  3. You would like to protect the value of your company


Provides coverage for life if premiums are paid when due. If the insurance contract is in effect when the life insured dies, our insurance carrier partners will pay a death benefit to the life insured’s beneficiary or estate. The payable amount will depend on when death occurs and its cause.


  1. If death occurs from natural causes within 24 months of contract taking effect or reinstatement, the amount payable is limited to premiums that have been paid during the 24-month period, without interest.

  2. If death due to an accident occurs within 24 months of contract taking effect or reinstatement, the face amount of the policy is payable (some restrictions may apply).

  3. If death from any cause occurs on or after the 2nd anniversary of the contract taking into effect or of reinstatement, the face amount is payable to the beneficiary or estate.

You are never too young to buy life insurance, since the younger you are, the lower the cost of your premium, no matter what type of coverage you choose.


Life events that trigger the need for life insurance:

1. Moving in together:
Are you about to move in with your significant other? See what you should plan in terms of insurance and savings to begin your life together on the right foot.

2. Buying a home:
Do you want to leave apartment life behind and buy a home? Being prepared will make the process easier and help you make educated choices.

3. Having a child:
Will your family soon have an addition? Here are a few things to think about to protect your loved ones against the unexpected and prepare for your new arrival.

4. Saving for a project:
Are you planning for a vacation, your wedding or your retirement? Whether your projects are big or small, you must take time to organize and figure out how to pay for them.

5. Starting a business:
Do you believe in your project and know that your products or services meet the needs of the market? 

6. Planning for your retirement:
Whatever your dreams for your retirement, having a strategy in advance will give you the right tools you need to make them a reality.

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