Life insurance
Short-term or long-term protection which helps your loved ones deal with the financial impact of your death, provides financial security like paying off debts, living expenses, and helps to pay any medical or final expenses. Individual or Corporate need can be addressed through Individual/Corporate Retirement Strategies, Estate Transfer, Corporate Estate Optimizer, Estate Protector or Retirement Enhancer.
Disability Insurance
Disability Insurance can help protect you and your family if you can not work due to an accident or illness. Disability insurance can replace a portion of your income (typically 60-85%) while you are unable to work. We offer Individual or Business disability protection (Business Overhead Expense, Key Person Protector, Business loan Protector, Disability Buy Sell).
Critical Illness Insurance
Pays a tax, free lump sum benefits if you are diagnosed with one of the illnesses covered by the policy. If you have Return of premium rider and you have not made any claim, a full refund of premium is available.
RRSP
Investing in an RRSP can reduce your tax burden and grow your retirement savings. RRSP Contributions are tax deductible and help to reduce the total amount of income tax you pay.
Annuities
It pays a regular income. The payments you receive include a return of your original capital and interest income on that capital.
TFSA
Investments in a TFSA grow tax -free, allowing for faster compounding. This includes interest, dividends, and capital gains.
FHSA
This is registered plan that can help you save for your first home purchase, tax free.
