Individual Benefits

Individual Insurance Benefits


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Life Insurance

Comprehensive life insurance for any lifestyle. Easy Application without medical evidence for coverage amounts less than $500,000. Electronic application and approvals. Protect your income, mortgage debt, and family legacy

How Much Do I need? use the following acronym as a guide and contact us for a custom recommendation.


L -Liabilities – Pay off your Mortgage and Loans
I – Income – Calculate 8 to 10 times your Salary
F – Funeral Expenses and Taxation
E – Education Savings for you children


Personal Disability Insurance Benefit

disability protection

Protect your biggest asset from accidents and sickness, yourself! 24 hour coverage for any occupation, accident and sickness, or guaranteed issue accident only. Provides up to 75% of your income tax free.
0 to 120 day waiting period-Benefit for 2 years, 5 years, or until age 65-24 hour accident and sickness benefit.
Own occupation extension from 2 to 5 years for trades/professionals

Critical Illness Protection

Critical Illness

Critical illness protection provides a lump sum benefit for illness such as cancer, heart attack, stroke, and 22 other illnesses. Flexible plan design to suit your needs
. Simplified coverage for amounts less than $250,000 and up to 1 million 
return of premium option.


Guaranteed Retirement Income for Life

  • Start receiving an income as early as age 55

  • 4% annual Income Base Bonus increased to 5% until December 31, 2019!*

  • With annual Automatic Income Resets,4 your income may be bumped up

  • Competitive management fees and insurance fees

  • Enjoy valuable insurance benefit guarantees with 75% Death Benefit and Maturity Benefit Guarantees5

  • Death Benefit Guarantee6 and Income Base are automatically reset every 3 years to lock-in any market gains

  • Discontinue your income payments and then resume at any time with our Retirement Income Privileges7

  • Available in non-registered, RRSP, TFSA and RRIF contracts

  • Potential for higher growth with up to 80% equity exposure

  • Our Excess Withdrawal Alert service safeguards your income