Risk Management & Insurance Solutions


  • Income protection, Asset protection, Family protection, Estate protection

  • Insurance Coverage Types: Life Insurance, Critical Insurance, Disability Insurance

  • Insurance Solutions: Term Life, Permanent, Individual Life, Joint Life, Wholelife, Universal Policies etc.


  • Travel Insurance



  • Group Insurance Plans 

Life Insurance



To help estimate your life insurance needs, click here to complete the life insurance worksheet.

 It provides an estimate of the amount of life insurance you may need, based on the information you provide.

Your insurance needs will change over time, so you should periodically review these needs with
your advisor.

Critical Illness Insurance

A critical illness doesn’t discriminate – men and women of all ages and occupations feel its impact.
Click here to take a glimpse at some of the critical illness claims and benefits you can be eligable for when you are covered by insurance. 

Critical illness insurance helps cover the unexpected costs and potential loss of income associated with a serious illness. From the additional costs associated with medicine and treatment, to travel, home care and specific accommodations if needed, treating and recovering from an illness can have a devastating financial impact. Plus, if you’re unable to work during your recovery, the impact is even greater.

With critical illness insurance, if you become sick with one of the covered conditions covered by your policy and survive the waiting period, you receive a cash benefit. You can then use the funds as you wish.



Basic Critical Illness Insurance, Quote & Apply

Critical Illness, Please Contact Us

Disability Insurance

Disability insurance helps protect your income and business if you become disabled and can’t work. With different products available for full-time, part-time or home-based workers, disability insurance is the perfect solution for professionals, business owners, business executives and other employed Canadians.  An individual disability insurance plan can help you meet your income requirements so you can concentrate on recovering and returning to an active life.

Whether you need to secure your main source of income or supplement the coverage you receive from your employer or an association, disability insurance can help by providing a comprehensive and portable plan you can rely on throughout your working years.


Designed for executives and professionals, Proguard Series is one of the most comprehensive income replacement protection plans available. Featuring unique and flexible benefits, you can customize a plan to meet your specific needs. Plus, built-in automatic coverage enhancements help ensure your coverage keeps pace with your income growth.

Venture Series is well suited to business owners and employees seeking reliable, cost-effective income replacement protection. And with unique built-in automatic coverage enhancements, your coverage grows as your income increases.

ExpenseComp offers reliable features and benefits for small business owners. By reimbursing business expenses like salaries, rent, utilities and more, ExpenseComp can help make sure you don't have to close up shop early because of illness or injury. Plus, if you no longer need business expense protection you have the option to convert to an income protection plan. 

Buy-Sell Plus is a great complement to a business buy-out agreement. It offers flexibility and choice in how to fund the purchase of a disabled owner's share of the business. Ideal for owners of small, closely held businesses (generally two to five owners) who own at least 10% of the business and who work full-time for the business.

If you become totally or partially disabled due to an accident or sickness, Personal Accident Disability Insurance offers flexible coverage that provides you with a monthly benefit for income replacement, funding for medical costs and income/business expense coverage if you are self-employed. Plus, if you’re looking for guaranteed issue coverage in the event that you are hospitalized as a result of an accident or illness, you can purchase the Cash Hospital Plan.


Disability Insurance Needs Analysis 

Insurance Providers


Segregated Funds

Segregated fund contracts offer built‑in features designed to help clients achieve all of these goals to protect and build savings, and do so in ways that may not be possible with other investment vehicles. They appeal to conservative investors, particularly those who worry about market downturns and enable them to retire with confidence. They have elements that attract business owners and professionals, who may have concerns about creditor protection. They provide advantages to anyone looking for strategies to protect an estate for loved ones.



An annuity is an insurance contract where, in exchange for a single lump-sum deposit, an insurer makes guaranteed regular income payments back to the owner of the annuity. These payments contain both interest and a return of principal component. Annuity payments can continue for a chosen period of time or for the lifetime(s) of on or two people.