Insurance Services
Comprehensive insurance planning for Canadian families, professionals, and business owners. Let's find the coverage that fits your life.
Life Insurance
Protect your family's future
The Problem
What happens to your family if you're no longer there to provide for them? Without life insurance, your loved ones could face crushing debt, lost income, and an uncertain future.
Life insurance ensures your family maintains their lifestyle, pays off the mortgage, funds education, and covers final expenses — no matter what happens.
Key Benefits
Frequently Asked Questions
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📞 403-966-2309Critical Illness Insurance
Financial support when you need it most
The Problem
A cancer diagnosis or heart attack can derail your finances even if you survive. Medical costs, lost income, and recovery expenses add up fast.
Critical illness insurance pays a tax-free lump sum upon diagnosis of a covered condition — cancer, heart attack, stroke, and 25+ others — giving you freedom to focus on recovery.
Key Benefits
Frequently Asked Questions
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📞 403-966-2309Disability Insurance
Protect your most valuable asset — your income
The Problem
1 in 3 Canadians will experience a disability lasting 90+ days during their working years. Could you survive without your paycheque for months?
Disability insurance replaces 60–80% of your income if illness or injury prevents you from working, keeping your bills paid and lifestyle intact.
Key Benefits
Frequently Asked Questions
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📞 403-966-2309Health & Dental Benefits
Comprehensive benefits for your whole family
The Problem
Provincial health plans don't cover dental, vision, prescriptions, paramedical services, or private hospital rooms. These costs add up quickly.
Personal health & dental plans cover the gaps in your provincial coverage — from prescriptions and dental care to physiotherapy and vision.
Key Benefits
Frequently Asked Questions
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📞 403-966-2309Travel Insurance
Travel Canada and the world worry-free
The Problem
One medical emergency abroad can cost $50,000–$250,000+. Provincial health only covers a fraction outside Canada, and nothing in many countries.
Travel insurance covers emergency medical expenses, trip cancellation, lost luggage, and more — so unexpected events don't ruin your trip or your finances.
Key Benefits
Frequently Asked Questions
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📞 403-966-2309Business Insurance
Protect your business and key people
The Problem
Business owners face unique risks — losing a key employee, being unable to work, or having no plan to fund a buyout. These events can destroy what you've built.
Business insurance solutions including keyperson insurance, buy-sell agreements funded by insurance, group benefits, and business overhead expense coverage.
Key Benefits
Frequently Asked Questions
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📞 403-966-2309Contractor Insurance
Built for trades, contractors, and sub-trades
The Problem
One jobsite accident, stolen tools, or a lawsuit from an unhappy client can wipe out months of revenue — and put your personal assets on the line.
Contractor insurance bundles the coverage trades professionals actually need — commercial general liability, tools and equipment, and commercial auto — into one package shaped around how you work.
Key Benefits
Frequently Asked Questions
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📞 403-966-2309Trucking Insurance
Keep your fleet and authority protected
The Problem
Operating with gaps in your Motor Carrier permits or cargo coverage can ground your trucks — and one liability claim can dwarf your annual revenue.
Trucking insurance covers owner-operators and fleets with the coverages required by Canadian and US regulators, from primary auto liability to cargo and physical damage.
Key Benefits
Frequently Asked Questions
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📞 403-966-2309Commercial Insurance
Protect your business property and operations
The Problem
A fire, theft, lawsuit, or business interruption can devastate an unprepared business — and off-the-shelf policies rarely fit how you actually operate.
Commercial insurance packages cover your property, equipment, liability, and income so a single event doesn't undo years of hard work.
Key Benefits
Frequently Asked Questions
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📞 403-966-2309Super Visa Insurance
Emergency medical coverage for visiting parents & grandparents
The Problem
Canada's Super Visa requires parents and grandparents to carry at least $100,000 in private emergency medical coverage for at least one year — without it, their application can be refused.
Super Visa insurance provides the emergency medical coverage Health Canada requires for Super Visa applicants, covering medical emergencies, hospitalization, and repatriation during their stay in Canada.
Key Benefits
Frequently Asked Questions
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📞 403-966-2309Side-by-Side Coverage Comparison
Toggle coverage levels to compare features, premiums, and benefits. Pick the plan that matches your life stage — then request a personalized quote.
Essential
Term 10 — entry-level protection
Features included
- Tax-free death benefit
- Convertible to permanent
- Accelerated death benefit
- Waiver of premium (disability)
- Tax-advantaged cash value
- Return of premium option
- Critical illness rider available
- Guaranteed renewal
Best for
Young families starting out
Comprehensive
Term 20 — most popular choice
Features included
- Tax-free death benefit
- Convertible to permanent
- Accelerated death benefit
- Waiver of premium (disability)
- Tax-advantaged cash value
- Return of premium option
- Critical illness rider available
- Guaranteed renewal
Best for
Parents & homeowners
Wealth Transfer
Permanent — lifelong coverage
Features included
- Tax-free death benefit
- Convertible to permanent
- Accelerated death benefit
- Waiver of premium (disability)
- Tax-advantaged cash value
- Return of premium option
- Critical illness rider available
- Guaranteed renewal
Best for
Estate planning & legacy
| Feature | Essential | Comprehensive | Wealth Transfer |
|---|---|---|---|
| Tax-free death benefit | |||
| Convertible to permanent | |||
| Accelerated death benefit | |||
| Waiver of premium (disability) | |||
| Tax-advantaged cash value | |||
| Return of premium option | |||
| Critical illness rider available | |||
| Guaranteed renewal |
Sample premiums shown for a healthy 35-year-old non-smoker. Actual rates vary by age, health, and lifestyle. Book a consultation for a personalized quote.