Redefining Financial Services

Explore how our innovative tools and strategies can
streamline your processes and drive exceptional results.

Insurance Solutions

Term Life Insurance

Affordable coverage for a set period, ideal for temporary financial needs like mortgages or education. Provides a death benefit if the insured passes away during the term, with no cash value after expiration.

Participating Whole Life Insurance

Lifelong coverage with potential financial growth. Accumulates cash value over time, which can be accessed or used for premiums, and often includes dividends for added returns.

Item 1

Disability Insurance

Income protection during unexpected disabilities. Replaces a portion of your income, allowing you to focus on recovery without financial strain.

Critical Illness Insurance

Lump sum payout upon diagnosis of covered conditions like cancer, heart attack, or stroke, providing financial support during challenging times.

Health & Dental Insurance

Covers medical and dental expenses, including doctor visits, hospital stays, prescriptions, and preventive care, ensuring access to essential healthcare services.

Investing Solutions

Segregated Funds

Combine market growth potential with insurance security. These funds offer principal guarantees, potential creditor protection, and estate planning benefits, making them ideal for retirement planning and safeguarding investments.

Savings Solutions

Registered Retirement Savings Plan (RRSP)

A tax-advantaged account for retirement savings. Contributions reduce taxable income, and investments grow tax-deferred. Withdrawals are taxed
as income, typically during retirement. RRSPs offer diverse investment options
like stocks, bonds, and mutual funds.

Tax-Free Savings Account (TFSA)

A flexible account for earning tax-free investment income. Contributions are after-tax, but growth and withdrawals are tax-free. Ideal for short-term or
long-term goals, offering options like stocks, bonds, and more.

Retirement Solutions

Pension Plans

Employer-sponsored retirement savings offering financial security. Whether through defined benefit plans with guaranteed payouts or defined contribution plans based on investment performance, pension plans ensure steady income during retirement.

Registered Retirement Income Fund (RRIF)

Convert your RRSP into retirement income with a RRIF. Enjoy flexibility in withdrawal rates while keeping investments tax-sheltered. Withdrawals are taxable and must begin the year after opening, making RRIFs a versatile tool for retirement planning.

Item 1

Life Income Fund (LIF)

A LIF is designed for retirees with pension savings who want flexible income while maintaining control of their investments. Similar to a RRIF, a LIF allows for adjustable withdrawals within government-mandated minimum and maximum limits. The funds remain tax-sheltered while invested, and withdrawals are taxed as income. A LIF is ideal for those seeking a balanced approach to managing pension savings during retirement.

Income Annuities

Secure a steady income stream during retirement. By making a lump-sum payment, receive regular payments for a set period or your lifetime, with options like inflation protection and survivor benefits for added stability.