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Individual (Personal) Products

Life Insurance

Temporary (Term Insurance)
Term Life Insurance is primarily for persons seeking coverage for a limited period, commonly 10, 15 and 20 years. Term insurance can be renewed to continue coverage after the 'term' is completed.

Whole Life Insurance
Whole Life Insurance is suited to the needs of people who are seeking financial stability and security for their loved ones in the event of a premature death.

Universal Life Insurance
With universal life insurance, you can insure the financial security of you and your loved ones through one and the same contract and at the same time accumulate additional tax-sheltered amount.


Disability or Income Replacement Coverage

Critical Illness Insurance

Critical illness insurance is designed to help financially support patients who are ill. Critical Illness Insurance provides financial support before, during and after treatment by supplying a lump-sum benefit when a critical illness is diagnosed.

Accidental Death and Dismemberment Insurance, (also known as AD&D) is a form of insurance covering death or specific types of injury as a result of an accident.

Short Term Disability
Short term disability is a type of insurance that pays a percentage of an employee's salary for a specified amount of time, if they are ill or injured, and cannot perform the duties of their job.

Long Term Disability
When an employee cannot work for an extended period of time due to an accident or illness, a long term disability plan can help cover a portion of the employee's salary


Family & Individual Health Insurance Products

Extended Health Care and Dental Care

Extended Health Care and Dental is an affordable form of protection that helps cover the costs of health or dental services and supplies not paid for under provincial plans

Long Term Care Insurance

  • Home Care Benefit
  • Facility Care Benefit

Individual (Personal) Investment Products

  • RESP's
  • RRSP's
  • RRIF's
  • LIF's
  • Annuities
  • GIC's
  • Segregated Funds



Life Insurance
Life insurance is a type of insurance providing for payment of a sum of money to a named beneficiary upon the death of the policyholder or to the policyholder if still living after reaching a specified age.

An RRSP is an account that provides tax benefits for saving for retirement in Canada.

Segregated Funds
Segregated fund policies are insurance products with investment features. The premiums in these segregated funds are invested by the investment manager in stocks, bonds or other assets, depending on the fund's investment objectives.

Guaranteed Investment Certificates (GICs) provide you with safe and flexible investment options. You're guaranteed to keep what you invest, while earning competitive interest on your money.


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