Life Insurance
Critical Illness
Disability
Group Plan (Benefits)

There are many options within each category and it is best to speak with an advisor directly to address your specific needs

Because we are an independent we have the ability to provide products from all the major carriers in Canada. Having said that we carefully select the companies we choose to do business with on your behalf in order to make sure they meet the criteria for stability, competitive pricing and a modern technological infrastructure

We strive to only work with carriers that allow our clients to apply for insurance in a digital fashion. There are several carriers that are still catching up on this front and when they give us the ability to do business with them digitally, we will gladly add them to our stable of carriers

If, for some reason, you really want to work with a carrier that we do not currently deal with then we will make the necessary arrangements to provide that insurer to you

We are NOT a robo advisor. Although we do operate on the latest and most modern platforms you are dealing with licensed, educated and experienced advisors every step of the way. Life insurance is not something you want to buy without professional advice

We are compensated by the insurance carriers directly. We do not charge the client anything for our services

The application will be filled out digitally via an electronic application that will be submitted directly to the carrier of choice. All signatures will be electronic in nature as well

The traditional way of submitting an insurance application was via a Paper Application which took an incredible amount of time and was often frustrating and stressful for both the advisor and the client. If you have ever filled out a Paper App you will know what a nightmare this method is

The approval timeline can range quite a bit. It can be virtually instantaneous or it can take several weeks. It usually depends on your health profile, age, type of product and coverage amount. Most policies these days are approved fairly quickly. Policy applications that contain some health issues will naturally take a bit longer

Your personal health information is completely confidential. Only the advisor and insurance company (with your consent) will have access to your health information.

We only keep your health information on file until the policy delivery process is complete. After that we destroy your health information unless you want us to keep it on file for you

While your health is a very important variable when it comes to qualifying for insurance, we work with carriers that deal with higher risk cases and offer guaranteed issue policies. We always try and get you the best prices and terms for your individual situation