Life insurance is protection against financial loss resulting from death. It is an insurance company's promise to pay your beneficiary a specific amount of money when you die in exchange for timely payment of premiums.

The death benefit may be used:

• To replace income the family would need to maintain their standard of living after the death of a wage earner.
• To pay off a mortgage loan and other personal and business debts or to create a rent fund.
• To create a fund for children's education.
• To pay final expenses, such as funeral costs and taxes.
• To create a family emergency fund or a fund for a family member with special needs.

Coping with a critical illness can be a financial hardship for both survivors and their families. What's more, survivors often need to overcome challenges that go beyond maintaining financial stability—such as finding the best medical care, meeting day-to-day needs or managing fear and anxiety.

Critical Illness Insurance provides a tax free lump sum of money upon diagnosis of a specified critical illness. This is not related to your occupation and by default does not provide cover should you be unable to work. One such example is that somebody may suffer from a heart attack or becomes blind/deaf, whilst this would more than likely have a huge impact on their life, it may not stop them from working, in this instance a Critical Illness Policy would pay out.

Cancer, heart attack or stroke are the three most common critical illnesses, occurring across all ages in Canada. According to the Heart and Stroke Foundation and the National Cancer Institute of Canada (2001), approximately 250,000 Canadians are diagnosed with cancer, heart attack or stroke annually. And thanks to improved medical treatments, most of them will survive.

It is income paid to you weekly or monthly when you can’t work because of sickness or injury. The pay out provided may be stated as a percentage of income or as a set dollar amount. The policy defines how much you will be paid, how soon after you are disabled payments appear in your mailbox, and when they will cease. Benefits periods may depend on whether the disability was caused by an accident or illness. The longer the benefit period, the higher the premium will be.

If you depend on your income to pay the bills, you need to seriously consider buying disability income insurance. Disability income insurance can help you pay your bills by replacing a portion of your income. It can help you maintain your current lifestyle, and help protect you and your family from going into serious debt.

If you can no longer work due to an accident or illness, Disability Insurance will replace the income you receive from your job with a monthly disability benefit, then you don’t have to lose everything you have worked so hard to build.

Whether you are a

• A self employed worker
• A Salaried employee
• A business owner

With disability insurance you no longer have to worry about a disability because you are covered.

• In case of accident
• In case of illness
• At all times

If you travel outside your home country for business and pleasure the health care plans you may have in your home country may not be designed to provide coverage while you are out of the country. Whether you travel for business or pleasure, international travel involves risk.

Essentially, there are three reasons you should purchase travel insurance.

1. With any trip, there is always the potential that you may experience illness or injury due to traveling conditions.
2. Next, you may want to protect yourself in case of any accidents (major or minor) associated with your travel experience.
3. Last, you should consider theft protection, especially when traveling outside the country.

Coming to Canada

Whether you plan to make Canada your new home or have only come for a visit, our Visitor to Canada Insurance is available to visiting friends, relatives, landed immigrants awaiting coverage under a Government health insurance plan, and for individuals in Canada on a student or work visa.

Worried about losing your group health and dental benefits? Concerned about the many medical expenses you’ll have to start paying for out-of-pocket because of the increasing gaps in your provincial health insurance coverage?

If you are not covered by a group health plan or not satisfied with the health coverage you have today, a health and dental plan may be the answer for you.

Whether your focus is prescription drugs, dental care, or a combination of both, we offer a selection of health plans and levels of coverage from which you can choose:

We will let you choose between dental coverage, drug coverage or a combination of both. With each Core Plan you'll also receive generous coverage for registered specialists, travel emergencies, accidental death and dismemberment and more. Your provincial plan doesn't cover all this!