Health Insurance

If you are not covered by a group health plan or not satisfied with the health coverage you have today, a personal health and dental plan may be the answer for you.

We have plans that are designed to fill the gaps left in your government health insurance plan. Whether your focus is prescription drugs, dental care, or a combination of both, There are plans that offer a selection of health plans and levels of coverage from which you can choose:

Worried about losing your group health and dental benefits? Concerned about the many medical expenses you’ll have to start paying for out-of-pocket because of the increasing gaps in your provincial health insurance coverage?

Most companies health and dental plans can give you that security. With four different levels of affordable health insurance coverage to choose from, you’re certain to find the plan that meets your specific needs and budget.


Critical illness insurance is a relatively new form of protection that provides money while you are still alive. It has tremendous flexibility if you become critically ill because there are no requirements for how you spend the lump-sum benefit that you receive. You don’t have to get approval for expenditures, provide any receipts, or even use the lump-sum benefit to pay for medical expenses.

Critical illness insurance provides you with a lump-sum payment to be used however you see fit. If you want to try alternative therapies, be treated outside of the country, hire someone to take care of you, or hire a nanny to take care of your children … you choose how to spend your money.

Critical illness insurance covers specific illnesses only.

A critical illness plan provides a way of helping to protect yourself against the high cost of rebuilding your lifestyle following a critical illness. It offers a lump-sum payment while you are living which usually becomes payable 30 days after the diagnosis of one of the critical illness insured conditions as defined in the policy. How you use it is up to you.

What would you do if your income stopped today?

Where would the money come from for your living expenses?

Would your business survive if you, a partner or an employee were disabled?

Disability insurance coverage to help provide you with a monthly benefit when you are disabled due to an injury or sickness.

Personal Products

  • Lifestyle Protection Plan
    For professionals, business owners, executives and employees.
  • Independence Plan
    For lower income occupations, home-based workers, part-time workers, seasonal workers, new business owners and price-sensitive purchasers.

Business Products

  • Overhead Expense Plan
    Pays for specific business overhead expenses that remain the responsibility of a business owner even if disabled.
  • Buy/Sell Plan
    Provides funds to help enable one or more business owners to purchase shares of a disabled shareholder or partner in the event of total disability.
  • Keyperson Plan
    Provides benefits in the event of a key employee’s total disability

What do you take for granted?

  • Get out of bed.
  • Go to the washroom.
  • Get dressed.
  • Have some food.

Sounds pretty simple. You don’t even have to think about it. These are abilities you take for granted. But we’re all vulnerable to accidents and illnesses that can change the way we live.

Imagine not being as able as you are.

Life is unpredictable. Prepare yourself. Eventually, you may need long term care.

With over 125 years of combined experience

We can leverage our strengths and offer you the most competitive products available in the market today. We do not work for an insurance company; we work for you. We work on your side when you have a specific need, we follow through to make sure you get top quality professional service.