Our product offering includes:

• Health and Dental Plans (Group and Individual)
• Life and Disability (Group and Individual)
• Travel Insurance
• Critical Illness
• Pension Plans
• Wellness Education
• Employee Assistance Programs

Our service is always responsive, committed and caring.

Critical Illness
Being diagnosed with a Critical Illness can have a devastating impact on you personally, as well as financially. You can survive a Critical Illness but may be unable to continue working and have difficulty paying the bills. Critical Illness insurance pays out a lump sum of cash even if you are able to return to work.

Critical Illness examples:

Cancer Heart Attack Stroke Multiple Sclerosis Kidney Failure Major Organ Transplant Blindness

Deafness Loss of Speech Major Burns HIV Alzheimer’s Parkinson’s Dismemberment

Important to note that there are time restraints and criteria on illnesses.

Term Life Insurance
Term Life Insurance is much simpler and more economical that permanent life insurance. It provides coverage for a “term” and the benefit is paid to your beneficiary if you die within this time span. You can obtain a cost analysis in just minutes.

To determine which plan suits your needs, please contact us.  

Group Health and Dental Plans
Now, more than ever, it is critical to have medical coverage. Providing a Group Benefit Plan to your employees declares that your business cares about their well being. It can help reduce staff turnover and provides a strong recruitment tool. Shopping for group insurance has never been easier. We offer a wide selection of quotations from the biggest and best names in the industry.

Employer contributions towards the premiums to a health plan are tax deductible while the health benefits are tax free to the employee.

The health and happiness of your employee’s is the key to your company’s success and longevity.

Contact us for a specialized needs analysis suited to your particular group.

Disability Insurance
Sudden illness or injury can result in loss of income, which is critical to most people and their families.

Disability insurance provides protection against this by paying a monthly benefit when unable to work. The amount of insurance and the costs vary depending on your age, income and occupation. The amount of coverage is usually 2/3 of your current gross monthly earnings. The paid benefits are tax free as long as you pay 100% of the premium. The benefit period can vary from 5 years to age 65.

Both long and short term disability insurance are available.