Live the planned life
Will the plan still work if something derails the way you earn or the way you live? Disability and critical illness coverage may help protect the income that funds everything else.
Insurance Planning
A family-first
investment.
Insurance isn't something we sell. It is something we show you, as part of your plan, never apart from it.
Where Insurance Fits
Three questions worth asking.
Insurance answers questions that ordinary planning can't. These are the three that matter most.
Family carries it on
If you weren't there, would the people you love still have the life you've built for them? Life insurance may help close the gap between what they need and what would otherwise be available.
Maximize what you pass on
How do you transfer wealth efficiently, outside the estate, without probate, without tax surprises? Permanent insurance may be one tool worth comparing for this, depending on your situation.
Protecting Your Plan
The income that funds everything else.
Most of what you want, for yourself, for your family, for the people you care about, depends on your ability to earn. Disability insurance and critical illness coverage may replace some or all of that income when something interrupts it. They're not glamorous. They're foundational.
Long-term care insurance covers the costs of extended assistance later in life, costs that, in Canada, are not fully covered by provincial health systems. For couples planning a 30-year retirement, this is increasingly part of the conversation.
Protecting Your Family
The gap life insurance may close.
Life insurance answers a simple question: if you weren't here tomorrow, what would change for the people you love, and how much of that change can be made less harsh by money landing where it's needed?
For some families, the answer is term insurance through working years. For others, especially business owners and people with significant estate planning needs, permanent insurance (whole life or universal life) can become a long term planning instrument. Both can work. Which one fits depends on what the policy needs to do.
Protecting Your Legacy
One way to consider passing it on.
Permanent life insurance may be one way to transfer wealth to the next generation. When a beneficiary other than the estate is named, the death benefit may be paid outside the estate and may avoid probate. The Government of Canada describes a life insurance death benefit as a tax free payment to beneficiaries. For some families with significant assets, it can be a planning instrument worth comparing, though the right answer may depend on the policy, its costs, and the rest of your plan.
Already own a whole life policy and wondering what cashing it in could mean? Our article on how the taxable amount is figured when a whole life policy is cashed in is a useful starting point. This is general information, not personalized tax, legal, or financial advice.
Coverage We Work With
Life Insurance
- Term (10 / 20 / 30 year)
- Whole Life
- Universal Life
Living Benefits
- Disability Insurance
- Critical Illness
- Long-Term Care
Travel Insurance
- Through Manulife
- Single-trip & multi-trip
- Snowbird & retiree coverage
How We Do This Differently
Insurance isn't something we sell. It is something we show you.
Most insurance conversations start by selling you a product. Ours starts by modeling your plan, and then asking what changes if something happens? You see, in the same scenario tool that runs your retirement income, exactly what role insurance plays. How much you need. How much you don't. Where it fits.
Not out of fear. Out of intention.