LIVING BENEFITS 

There’s nothing more important than protecting you and family’s well-being. That’s why we offer the best guidance to help you choose the insurance that would best provide for you and your family – with adequate financial resources in the event of the unexpected.

Critical Illness Insurance

Critical Illness insurance is a type of insurance that helps you if you become critically ill. There are many different conditions that might be covered under a critical illness policy but the most common are heart attacks, strokes, and cancer.

Typically, critical illness insurance provides a lump sum payment when a specific condition is diagnosed. The money can then be used for any purpose. Some examples include finding alternative medical treatments anywhere in the world, hiring a caregiver, paying debts, covering expenses that are not covered under government health care, paying for private nursing homes, or providing income support.

Disability Insurance

Disability Insurance (sometimes called DI) is an insurance policy that pays out a stream of monthly income in case you get disabled and cannot work. The injury or disability does not have to have happened at work but it must severe enough to prevent you from working and earning an income. Many people have both short term disability and long term disability coverage through work but you can buy personal disability policies if there is not coverage like in the case of some self-employed individuals.


Health and Dental Coverage

Like disability insurance, health and dental plans are often covered through workplace benefits. These plans are designed to help with the unexpected cost of healthcare needs when you need it, such as dentist, ambulance and massage therapy. There is a growing concern that governments will have significant cut backs in the health care industry and as a result, the financial burden of prescription drugs, visits to the dentist, eye exams, and paramedical services may increase in the future. 

HSA – Health Spending Account

A HSA provides health benefits that are 100% deductible to employers and 100% tax-free to employees. The plan is simple to setup, has no monthly premiums and provides significant savings compared to traditional health insurance plans.