Arranging the security necessary for the financial well being of you, your family, and your business, is even more critical in today's fast paced and changing economic environment. 

You will appreciate thoughtful advice and low-cost, practical solutions to address your family and business financial plans and long-term strategies. Our disciplines and areas of expertise include 


 
One year, 5-year, 10 year, Level Term, and Universal Life… 

Proper Insurance Planning means Proper Protection. If anything happens to you, you want to be sure that your family is protected and provided for. There are hundreds of plans to choose from - but only one that's right for you. After all, you and your family are unique. 

If you are one of the millions of Canadians without an employer group health plan - and, therefore, vulnerable to health care costs not covered by your Government Health Insurance Plan - supplemental health care coverage could be right for you. Many common health care expenses, such as dental work, prescription drugs, eyeglasses, private and semi-private hospital room accommodation and many other costs, are not covered by a Government Health Insurance Plan. If you are without an employer group plan, these expenses can come out of your pocket. For only dollars a day we can offer you a unique combination of health benefits that provide you and your family with dependable coverage you simply should not be without. 

Introducing FlexCare and FollowMe from : 

Now, custom-designing your health insurance plan is fast and easy, with Manulife's FlexCare® Plan. It is a flexible and comprehensive health insurance plan. 


Manulife's FollowMe® allows you to continue enjoying health and dental benefits even if your employment benefits end. There's no need to worry about interruption of coverage for you or your loved ones. 

An individuals most important financial asset is their ability to earn an income. So it makes sense to properly look after your earnings if due to illness or disabling injury you are unable to work. Statistics show that, over 100 North Americans have become disabled just in the last two minutes!

The scope of the disability plan, and the options available, can make the coverage very limited or very comprehensive. Factors to be considered include the definition of disability, own occupation coverage, whether the policy is guaranteed, future insurability options, return of premium options, etc. 


While Disability Insurance provides you with a regular income if illness or injury takes you out of the workforce, Critical Illness coverage is a living benefit, designed to pay the policy amount in a lump sum, tax-free, benefit to help maintain your independence and quality of life after a serious illness. The proceeds of the policy can be used to cover your drug costs, travel, settle debts, seek alternate treatment, or whatever you should so desire. 

As with any insurance policy, the conditions or illnesses covered, the policy terms, exclusions and limitations vary considerably from one insurer to another. Examples of covered illnesses include heart attack, stroke, cancer, kidney failure, blindness, deafness, and more.

Did you know? In Canada…1 in 4 will contract heart disease, 1 in 3 will develop some form of life threatening cancer, and 1 in 4 will suffer kidney disease? 




Proper business planning, buy-out funding, payment of capital gains tax, are important issues to most business owners and due attention needs to be given to all eventualities. Key Person, Partnership, Buy-Sell are all important tools to help you control your future business costs and need to be considered as part of your long-term strategies.



Benefit plans are now an essential element of an employee package and are designed as a tax-advantaged method to meet the individual requirements of each organization and align the interests of the employee with those of the company. They can be designed in a variety of ways to include just limited coverage and benefits to something very comprehensive. There is a plan available for virtually every circumstance.




When it come to financial planning, you'll find that our services are every bit as comprehensive as our insurance products. Whether it's RRSPs, RRIFs, annuities, mutual and segregated funds - or a combination of all of them - we'll help you take control of your financial future, so that you can live in retirement at least as well as you do now. 

Let us give you the benefit of our experience. If you are interested in any area of life or related insurances, please contact us today and talk to one of our skilled account managers. We'll assess your current situation, together with your objectives, and put together a package designed just for you. Please let us know your areas of interest in your email.