Insurance that fits your life

Life insurance pays a tax-free amount of money to the people you choose (your beneficiaries) if you pass away. It's one of the simplest ways to make sure your family can stay in their home, cover everyday bills, pay off debts, or keep future plans like education on track.

There are two common kinds:

• Term life — coverage for a set period (like 10, 20, or 30 years). It's usually the most affordable option and great for covering a mortgage or raising a family.
• Permanent life — coverage that lasts your whole life and can build value over time. Useful for estate planning or lifelong needs.

Critical illness insurance pays you a tax-free lump sum of cash if you're diagnosed with one of the serious conditions listed in your policy — commonly things like cancer, heart attack, or stroke. The money is yours to use however you need: treatment, time off work, travel for care, or simply keeping the household running.

It's designed to cover the costs that provincial health care doesn't — so a health crisis doesn't become a financial crisis too.

Your ability to earn an income is likely your most valuable asset. Disability insurance replaces a portion of your income if an injury or illness keeps you from working — whether for a few months or much longer.

This matters especially for self-employed Canadians and anyone without strong coverage through an employer.

If you're inviting parents or grandparents to Canada on a Super Visa, the government requires them to have valid medical insurance from an approved provider that meets a minimum coverage amount for the duration of their stay. Visitor insurance also protects any guest coming to Canada against unexpected medical costs.

We make sure the policy meets the Super Visa requirements so the application goes smoothly.

Provincial health plans don't cover everything. Personal health and dental insurance helps pay for the day-to-day costs many Canadians face — prescription drugs, dental visits, eyeglasses, physiotherapy, massage, and more.

It's a popular choice for people without workplace benefits, the self-employed, retirees, and families.

Your provincial health plan offers little or no coverage once you leave Canada. Travel insurance protects you against the big costs of a medical emergency abroad, plus common trip headaches like cancellations, interruptions, or lost baggage.

Whether it's a single trip or a plan that covers you all year, we'll match you to the right level of protection.