Living Benefits

The irony of life insurance is that the benefit is realized at the death of the policy holder. Today, insurance also provides benefits while the policy holders are alive – a living benefit.  Living benefit plans are insurance policies that provide financial benefits to survivors who face issues due to aging, illness, accidents and dependency.
 

You can protect your family’s financial security and lifestyle no matter what problems life throws at you by preparing for the unknown now. There are solutions that make it easier to survive through life’s challenges with a variety of family and individual health insurance products, disability insurance, long-term care insurance, group health benefits, dental benefits and group insurance.


Whether it’s assisting with the cost of braces for your children, prescription drugs, or getting through a serious disability, our individual insurance solutions help ensure you can afford short and long-term medical and dental expenses. They can help you avoid financial risk during periods of illness and injury. So you can concentrate on getting better. 

Health insurance

Personal health insurance provides affordable coverage for unexpected health expenses and many ongoing health-related services not covered by provincial plans.


You simply need to choose a plan that suits your drug, dental, and supplementary health needs there. 

Long Term Care

With long-term care insurance, you don't have to worry about becoming a burden on your family if you lose your independence because of an accident or an illness like Alzheimer's disease.

This insurance may suit your needs if you want access to healthcare without having to dip into your savings. It can also help you remain in your home as long as possible despite loss of independence. 

Disability Insurance

Disability insurance can help you meet your financial obligations by replacing your income if you have to stop working as a result of an accident or illness.


This insurance is ideal if you you don't have group insurance coverage or if you're self-employed. 

Critical Illness Insurance

Critical illness insurance helps you deal with the expenses arising from a critical illness allowing you to focus on getting well.


This type of insurance suitable if you want to protect yourself and your loved ones against the financial consequences of a critical illness. It pays you a set benefit amount during your lifetime following the diagnosis of a covered critical illness or surgical procedure.