Your ambitions deserve unique solutions. We offer customized support and advice that can address all of your financial needs, including:

• Financial planning
• Investment advice 
• Registered savings solutions
• Estate planning
• Business transition planning 
• Charitable giving

Whole life insurance provides permanent, lifetime protection with guaranteed cash values. This unique product distributes dividends that will  increase the policy’s value by maximizing wealth on a tax-efficient basis. Policy owners can make additional payments into the plan beyond the required premiums. This creates additional funds which will drive both higher cash and death benefit values, as well as allowing the policy owner to make withdrawals, or borrow from the policy. Upon the insured’s death, the beneficiaries, estate or corporation will receive the death benefit tax free.

Whole life insurance is ideal for individuals or small business owners seeking insurance protection and tax savings. The tax free death benefit can be used to pay estate fees, support charitable giving, or use the cash value to pay for the insurance costs.

Universal life insurance is an option that provides permanent lifetime protection with a tax-savings component. This type of policy can be modified over time to fit your lifestyle. Upon the insured’s death, the beneficiaries, estate or corporation will receive the death benefit tax free.

Universal life allows additional deposits into the policy, that are in addition to the cost of insurance, this additional funding is deposited into an investment option where funds may benefit from potential growth on a tax-deferred basis. This allows you to make withdrawals, borrow from the policy account, or use its accumulated savings to help pay insurance costs.

Universal life insurance is an ideal choice for individuals and businesses seeking insurance protection with an investment component.

Whole life and Universal life insurance are customizable with features that can help you meet the following needs:

• Retirement Planning
  • Creates a tax-deferred savings opportunity if you have maximized your RRSP and TFSA contributions for the year.
• Business Owner Planning
  • Provides protection for your company with additional executive compensation and tax-free funds to the company upon death that may be used to satisfy liabilities or can be distributed to facilitate shareholder buyouts.
  • Provides financial options if you are a small business owner.
• Estate Planning
  • Provides protection for your family and heirs, as the proceeds from the life insurance can be paid tax-free to your beneficiaries. These funds can then be used to pay capital gains taxes on the final tax return.

Term insurance is a low-cost life insurance policy that provides coverage at a fixed premium for a set period of time.

Term insurance is ideal for healthy individuals who want affordable coverage and future flexibility. It is often used as risk protection as it provides funds upon death to cover immediate expenses, mortgage payments, their dependent children’s needs and personal debts. It also benefits small- and medium-sized business owners by funding buy-sell agreements, providing key-person insurance, paying outstanding loans and supporting significant start-up costs.