Individual Coverage

Rule of thumb - 10 x annual income for average family needs.

Term

• Term to 5 year
• Term to 10 year
• Term to 15 year
• Term to 10 year
• Term to 100 year

Universal Life

Incorporates the annual term or term to 100 rates with many options to pre-pay your plan early or offers deferred compensation plans.

Personal & Family Protection

Depending on the needs of the beneficiaries, insurance will provide tax free lump sum capital that will maintain future cash flow income to dependants.

Business Needs

Insure the value of each partner/ shareholder either to create cash for purchase of deceased shares or key person insurance for survival of the business.

Supplemental pension through leveraged deferred compensation.

Tax sheltered investments over your RRSP contributions.