Our Services
“Procrastination is one of the most common and deadliest of diseases and its toll on success and happiness is heavy”
Wayne Gretzky
Procrastinate – People always tend to put things off until tomorrow…..Canadians don’t usually make the decision not to buy life insurance. They make the decision to put it off until later. Unfortunately, later they forget….
Some of the policies and products available include the following:
Hospitalization Insurance
Hospital Essentials (HOSPITALIZATION)
- Coverage available: Accident only, Sickness Only or Accident & Sickness Combination
- Daily Hospitalization: Benefits up to $300/Day
- Recovery following Hospitalization: Benefits up to $300/Day (Minimum 10 Days or 3X # of Days)
- Outpatient Surgery or Fracture: Benefits up to $4,200 (Lump Sum)
- Daily Intensive Care: Benefits up to $1,200/Day
- Ambulance Reimbursement: Benefits up to $600/Ambulance Service
- Individual Coverage or Family Plan
Outpatient Essentials (OUTPATIENT SURGERY)
- Coverage available: Accident only, Sickness Only or Accident & Sickness Combination
- Outpatient Surgery Benefit: $500/Surgery up to $1,000/Surgery
- Rehabilitative Therapy Benefit
- Medical Appliance Reimbursements Benefit
- Individual Coverage or Family Plan
Disability Insurance
Income Essentials (DISABILITY)
- Coverage available: Accident only, Sickness Only or Accident & Sickness
- Partial Disability: Day 1 Coverage – Benefit up to S2,000/Month (Maximum 30 Days)
- Total Disability: Day 1 Coverage – Benefit up to $2,000/Month
- Benefit period from 6 Months to 24 Months – After Full Accumulation (18 Years)
- Optional 20 Year – 50% or 100% (ROP) Return of Premium Benefit (Age: 16 -54 Years)
Income Guard (DISABILITY)
- Coverage available: Accident only OR Accident & Sickness
- 24-hour Coverage or Non-Occupational Coverage options available
- Maximum Benefit: $5,000/Month
- Two Optional Riders: Income Benefit & Loan Benefit
- Waiting Period: 7 Days up to 180 Days
- Benefit Period: 1 Year OR 2 Years OR 5 Years
Critical Illness
Cancer Care Protector
- Choice of: One Covered Condition: Cancer OR Three Covered Conditions: Cancer, Heart Attack & Stroke
- Benefits: $100/Day or $200/Day + Up to 3X Number of Days Recovery based on Total Disability
- Membership for Best Doctors Services included
- Individual Coverage or Family Plan
- Optional 10-Year (ROP) Return of Premium upon Death Benefit
Critical Illness Protector
- Choice of 3, 18, or 21 Covered Conditions
- Lump Sum Benefits of $10,000 OR $15,000 OR $25,000 OR $50,000 OR $100,000
- 10-Year (ROP) Return of Premium upon Death Benefit included
- Membership for Best Doctors Services included
- Policy is in force for LIFE
1. Life-Threatening Cancer
2. Carcinoma-in-situ*
3. Stage A Prostate Cancer*
4. Aortic Surgery
5. Aplastic Anemia
6. Blindness
7. Benign Brain Tumour
8. Coma
9. Coronary Artery Bypass Graft Surgery
10. Deafness
11. Dismemberment
12. Heart Attack
13. Heart Valve Replacement
14. Kidney failure
15. Loss of Speech
16. Major Organ Transplant**
17. Occupational HIV
18. Paralysis
19. Severe Burns
20. Stroke
21. Traumatic Head Injury
* You are covered for two non-life threatening cancers up to 25% of your chosen face amount
** The actual transplant operation must be performed
Life Insurance
Platinum Term Life (Term Life Insurance)
- Benefits from $100,000 up to a maximum of $1,000,000
- 10-Year Initial Term Period / 5-Year Renewal Term AFTER the First 10 Years
- Guaranteed Renewable regardless of changes in your health (Underwritten at time of application)
- Individual or Joint Plans offered
- Estate Protector Term Rider (optional)
- Children Level Term Rider (optional) ALL Children are covered for $11.99/Month
Whole Life Essentials
(Whole Life Insurance)
- Benefits from $10,000 up to a maximum of $250,000
- Covers the Insured up to age 100…the Cost never goes UP and the
- Benefits never go DOWN
- Accumulated Cash Values after your policy has been in force for 10 years
- Optional Accidental Death Benefit Rider: If the Insured’s death is due to an accident, the Benefits DOUBLE
- Waiver of Premium for Total Disability
- Accelerated Benefit as a Living Benefit Included
- Membership for Best Doctors Services Included
Accidental Death Essentials
- Accidental Death by Common Carrier Benefit: $100,000 OR $200,000 OR $400,000
- Accidental Death by All Other Causes Benefit $50,000 OR $100,000 OR $200,000
- Single Dismemberment: Benefit up to $100,000 OR Multiple Dismemberment:
- Benefit Up to $200,000
- Individual Coverage or Family Plan