Pick a plan. We handle the rest.

For anyone with people who depend on them

• ✓Tax-free lump sum paid directly to your beneficiaries
• ✓Term and permanent options, with coverage from $50,000 to $10,000,000+
• ✓Some permanent policies build cash value over time
• ✓Options for smokers, non-smokers, and hard-to-insure cases

For anyone whose income stops if they cannot work

• ✓Monthly income replacement if illness or injury keeps you off work
• ✓Plans range from $300 to $35,000+ per month
• ✓Waiting periods and benefit durations tailored to your budget
• ✓For employees and the self-employed, even without group coverage

For families who want a cash cushion after a diagnosis

• ✓Lump-sum payment on diagnosis of a covered condition
• ✓Commonly covered: cancer, heart attack, stroke, and more
• ✓Spend it however you choose: treatment, travel, time off, or the mortgage
• ✓Works alongside employer plans and government benefits

For families and the self-employed without group coverage

• ✓Prescriptions, dental care, vision, and paramedical services
• ✓Fills the gaps your provincial plan does not cover
• ✓Plans for individuals, couples, and families
• ✓Options for singles, couples, families, and retirees

For business owners who want to attract and keep great people

• ✓Health, dental, life, and disability coverage for your team
• ✓Plans scaled to small and growing businesses
• ✓A benefits package that helps you compete for talent
• ✓Advisor support for your team at claim time, not just at sign-up

For travellers and visiting parents or grandparents

• ✓Emergency medical coverage while travelling or visiting Canada
• ✓Super Visa eligible coverage that meets IRCC requirements
• ✓Options for single trips and multi-year stays
• ✓Pre-existing condition coverage available on eligible plans

For savers who want growth with insurance guarantees

• ✓TFSA, RRSP, RESP, FHSA, and RDSP investing through insurance contracts
• ✓Maturity and death benefit guarantees as set out in your contract
• ✓Named beneficiaries and estate settlement advantages
• ✓Professionally managed funds from Canada's leading insurers

For homeowners who want coverage they control

• ✓Your coverage, your terms: it stays with you if you switch lenders
• ✓Your family decides how the benefit is used, not the bank
• ✓Fully underwritten up front, so fewer surprises at claim time
• ✓Optional disability and critical illness riders