The only thingcertain in life isthe UNEXPECTED.

Life insurance is a safety net for the ones you love. In the event of death, it provides surviving family members increased financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents.

We can help you choose the right life insurance option for your overall financial plan, with benefits that include:

• An instant estate for your loved ones at a time when funds are most needed
• Death benefits that are almost always non-taxable for named beneficiaries
• Avoid probate costs if you name a beneficiary other than your estate
• Potential creditor protection through some life insurance plans
• Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans

Help insure one of your most valuable assets – your income – from unexpected events. Long-term care and disability insurance products can protect your ability to earn an income, which can be adversely affected if you are afflicted by a disability or other condition.

We can help you choose the long-term care and disability insurance products that provide advantages like:

• Helping maintain your financial independence, lifestyle and long-term financial security plan in the event your income is impacted by disability
• Assist with paying fixed expenses for your business if you become disabled
• Support the buy-out of a disabled partner’s share of a business

If recent events in the health system have taught us one thing, it’s that sudden illness can be debilitating for both you and your family. Critical illness insurance can ease than concern and can complement disability and life insurance protection needs. By helping pay for the additional expenses often associated with a critical illness or condition, insurance offers you, your family, and if applicable, your business, added financial security—so you can focus on recovery.

Advantages of critical illness insurance can include:

• Coverage for up to 22 critical illnesses or conditions
• An initial lump-sum benefit you can use however you wish—from making mortgage payments to seeking medical treatment abroad
• Home-care costs during illness and recovery periods
• Even if you’re not disabled from working, you may receive payment
• The ability to provide a return of premium benefit (optional)
• Individuals who cannot obtain disability insurance in some cases still qualify for critical illness coverage (e.g. a non-income earning spouse)

For those not covered by an employer plan, we can help you choose a health and dental plan that can mitigate out-of-pocket medical and dental expenses for you and your family. These plans are designed to provide various levels of enhanced healthcare protection, depending on your needs and the stage of life you’re in.

Depending on plan, services may include:

• Prescription drugs, which many consider one of the most valuable forms of health coverage
• Paramedical services, ranging from the use of an ambulance to a visit to the massage therapist
• Vision care if you or your family members who wear glasses or contact lenses
• Protection while on vacation or a business trip with out-of-country medical coverage
• Access to private or semi-private hospital rooms
• Dental care can include basic dental work as well as a portion of orthodontics, depending on your level of coverage