Protection for every stage of life
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if something happens to you?
Mortgage and debts cleared so your family keeps their home and standard of living.
Up to $5,000,000 paid directly to your beneficiaries, completely tax-free, bypassing probate.
Permanent policies build cash value tax-sheltered. Spend it while alive or leave it behind.
Fund buy-sell agreements, key-person coverage, and tax-efficient estate transfers.
Good to know: Applying for life insurance while you are young and healthy typically results in significantly lower premiums that remain level for the life of your policy. The cost of waiting is real.
Life Insurance15-min call with a licensed advisor. No cost, no commitment required.
We review options from 20+ Canadian carriers and present the right fits for your situation.
Select your plan and we manage the full application process from start to finish.
Premiums are based on your age and health at time of application. Applying earlier typically means lower rates that stay locked in.
A named beneficiary receives the full benefit directly, outside of probate. Your family has access to funds quickly.
Term policies can often be converted to permanent coverage later, with no new medical underwriting.
Some permanent policies include living benefits, allowing early access to a portion of coverage upon terminal diagnosis.
Independent brokerage. We work for you, not for any single insurance company.
We compare rates from 20+ leading Canadian carriers: Manulife, Sun Life, Canada Life, RBC Insurance, iA Financial, and more.
Licensed advisors in Ontario and British Columbia. Real people, direct numbers, no hold music.
We specialize in newcomers and multicultural families. We understand what's at stake for your community.
Available in 8 languages. No interpreter needed.
"The best time to get covered is before you need it."A free consultation costs nothing and takes 15 minutes. Our advisors speak your language.
+1 416 477 1516
Your finances shouldn't have to.
Cover mortgage, rent, and daily expenses while unable to work during treatment or recovery.
Skip waiting lists. Fund private specialists or treatment abroad if needed.
Pay for caregivers, family travel, and daily costs that come with a serious diagnosis.
Some plans refund all premiums paid if you never make a claim. Protection that pays either way.
Good to know: Critical Illness benefits are paid as a tax-free lump sum. You decide how to use the money. There are no restrictions, no receipts required, and no need to justify your spending to anyone.
Critical Illness15-min call with a licensed advisor. No cost, no commitment required.
We review options from 20+ Canadian carriers and present the right fits for your situation.
Select your plan and we manage the full application process from start to finish.
Partial benefit provisions in some plans pay 10–25% upon early-stage diagnoses.
Child riders: extend CI protection to dependent children on many plans.
Independent brokerage. We work for you, not for any single insurance company.
We compare rates from 20+ leading Canadian carriers: Manulife, Sun Life, Canada Life, RBC Insurance, iA Financial, and more.
Licensed advisors in Ontario and British Columbia. Real people, direct numbers.
We specialize in serving newcomers and multicultural families who are often underinsured.
Available in 8 languages. No interpreter needed.
"A diagnosis changes everything. Except the bills."One conversation with our team could ensure your family never has to choose between treatment and financial survival.
+1 416 477 1516
Why not the income that pays for both?
Up to 85% of your pre-disability income paid monthly until recovery or age 65.
Coverage from 90 days to age 65. Choose the benefit period that suits your situation.
Accidents, cancer, back injuries, mental health, burnout. If it stops you working, you're covered.
Specialized plans covering personal income and business overhead simultaneously.
Good to know: If you pay your own DI premiums (not through an employer), the monthly benefit you receive is typically tax-free. That means your $4,000/month benefit stays $4,000/month.
Disability Insurance15-min call with a licensed advisor. No cost, no commitment required.
We review options from 20+ Canadian carriers and present the right fits for your situation.
Select your plan and we manage the full application process from start to finish.
OHIP covers your medical care. Your rent, mortgage, and groceries are not covered.
CPP Disability pays approximately $1,050/month on average, often insufficient for most Canadian households.
Premiums paid personally are typically received as tax-free benefits when a claim is made.
The elimination period (waiting period) is the time before benefits begin: typically 30, 60, or 90 days. A longer wait means lower premiums.
"Own-occupation" coverage pays if you can't perform your specific job. This is the strongest form of DI protection available.
Independent brokerage. We work for you, not for any single insurance company.
We compare rates from 20+ leading Canadian carriers: Manulife, Sun Life, Canada Life, RBC Insurance, iA Financial, and more.
Licensed advisors in Ontario and British Columbia. Real people, direct numbers.
We help self-employed clients and business owners find plans that protect both personal income and business overhead.
Available in 8 languages. No interpreter needed.
"Your ability to earn is your most valuable asset."Most Canadians insure their car and home but leave their income unprotected. A 15-minute call could change that.
+1 416 477 1516
Nothing covers your rent.
Cash for every day in hospital, paid directly to you. Spend it however your family needs it.
Cash support continues after discharge, covering your recovery period at home.
Outpatient surgical procedures covered. No financial shock from unexpected operations.
Full ambulance transportation costs covered. No surprise bills when emergencies happen.
Good to know: This plan pays in addition to OHIP and any group benefits you already have. Benefits are not reduced by other coverage. They stack, giving you full financial protection.
Accident & Sickness15-min call with a licensed advisor. No cost, no commitment required.
We review options from 20+ Canadian carriers and present the right fits for your situation.
Select your plan and we manage the full application process from start to finish.
Hospital cash is paid for each calendar day you are confined as an inpatient. No receipts required, no restrictions on how you spend it.
Recovery benefit continues payments after discharge, typically at 50% of the hospital daily rate, covering your recuperation at home.
Surgery benefit is a lump-sum payment upon completion of a covered outpatient surgical procedure.
Benefits stack with OHIP and any group plan you already hold. This plan pays in addition to, not instead of, existing coverage.
Available to Canadian residents aged 18–69. Most plans have simplified underwriting.
Coverage is portable. It follows you regardless of employment status or job changes.
Independent brokerage. We work for you, not for any single insurance company.
We compare rates from 20+ leading Canadian carriers: Manulife, Sun Life, Canada Life, RBC Insurance, iA Financial, and more.
Licensed advisors in Ontario and British Columbia. Real people, direct numbers.
This plan is ideal for self-employed, contract, and gig economy workers who have no group benefit coverage.
Available in 8 languages. No interpreter needed.
"OHIP takes care of your health. We take care of everything else."A simple, affordable plan that pays cash directly to you. No forms, no reimbursement delays.
+1 416 477 1516