Disability insurance is a living benefit product used to protect you against injury or illness that results in a loss of earned income. Disability insurance replaces lost income (generally on a tax-free basis) if an individual becomes disabled and unable to perform their day-to-day job. Disability insurance can provide financial security and a continuous standard of living. Disability Insurance can provide coverage for individuals in a wide range of occupations. A few benefits to disability insurance for small business owners include reimbursement for certain business expenses, fund buy-sell agreements, assistance in hiring a replacement employee, and protecting profitability.

Critical illness insurance is a living benefit product that protects against loss of income and depletion of savings used to fund critical illness treatments. As a form of health insurance, it generally pays a tax-free, lump-sum benefit if an individual is diagnosed with an illness that is covered under the permitted illnesses. The insurance benefit can be used for a variety of expenses, such as covering treatments, funding private care or paying for specialized medical needs. Critical illness insurance allows an individual to focus on their health while helping to protect against the financial burden of health care costs.

Permanent protection for life, with guaranteed surrender values. This unique product distributes dividends that will increase the value of the policy by maximizing asset value in a tax-efficient manner. The policyholder can pay amounts in addition to the premiums. This creates additional funds that will increase the cash value and death benefits in addition to allowing the policy owner to make withdrawals or borrow funds from the policy account. When the insured dies, the beneficiaries, estate or corporation will receive a tax-free death benefit. It is ideal for individuals or SME owners looking for protection and tax savings.

A Term Life Insurance is a low-cost life insurance policy offering protection for a specified period of time for a fixed premium. It's ideal for healthy people who want affordable protection and flexibility later. It is often used as a hedge against risk because it provides funds to cover immediate expenses in the event of death, such as mortgage payments, debts and the needs of dependent children. It also offers SME owners the possibility of financing a buy-out agreement, having company insurance, repaying loans and covering significant initial costs.

Option that offers permanent protection for life, with a tax savings component. This type of policy can be changed over time to fit your lifestyle. When the insured dies, the beneficiaries, estate or corporation will receive a tax-free death benefit. Universal life insurance allows for additional deposits to be made into the policy account, which are added to the cost of insurance. This additional financing is deposited into an investment savings component where the funds can grow tax deferred. It is therefore possible to withdraw or borrow funds from the policy account or use the accumulated savings to pay for the insurance. Universal life insurance is the ideal choice for protection with an investment component.