Living Benefits
Critical Illness Insurance
Coverage when it counts. Focus on your recovery knowing that you have money to help with your expenses if you’re diagnosed with a serious illness.
To pay for critical medical services that might otherwise be unavailable
To pay for treatments not covered by a traditional policy
To pay for daily living expenses, enabling the critically ill to focus their time and energy on getting well instead of working to pay their bills
Transportation expenses, such as getting to and from treatment centers, retrofitting vehicles to carry scooters or wheelchairs, and installing lifts in homes for critically ill patients who can no longer navigate staircases
Terminally ill patients, or those simply in need of a restful place to recuperate, can use the funds to take a vacation with friends or family
Disability Insurance
Earning an income is not only important to maintaining your quality of life, but it also lets you provide an education for your children, plan for retirement, and deal with emergencies.
But what happens if you are injured and can no longer work? In Canada, over 1 in 3 Canadians will be disabled due to an injury for 90 days or more. This statistic shows how vulnerable Canadians are and how susceptible they can be to facing a disability and having to take time off of work to recover.
Disability insurance is an insurance policy that protects your income in the event that you cannot work due to an injury or handicap. A disability plan can either pay a steady living benefit each month or a lump sum payment to the insured after making a claim.
Group & Individual Health and Dental Benefit Plans
Individual and Group Benefit plans are above and beyond the current Ontario
Healthcare plans that often don’t cover everything needed to protect yourself, your family, and your employees.
Drug Coverage
Dental Coverage
Extended Health Care Coverage
Travel
Vision
Health Spending Account
An HSA is a special account used to pay for your healthcare expenses
The benefit is 100% tax-free to you and 100% deductible for your corporation
Travel Insurance
Travel insurance is important to help protect you, your family or visitors to Canada from costs that can occur due to an unforeseen medical emergency during a trip or an unexpected reason to cancel or interrupt a trip. Without it, travellers may be left to pay significant out-of-pocket expenses.
Your government health insurance plan may only cover a fraction of healthcare expenses incurred outside Canada, and may only provide limited coverage. Without travel insurance, a medical emergency or trip interruption due to an emergency could be disruptive and leave you facing large unexpected expenses.
Let us know what you’re interested in and we’ll give you a personal call to book a time to talk about your goals.