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Why personal life insurance?

The reality... its for everyone who has the ability to earn income and have others that depend on you. Families with children depend on you and your spouse to keep them safe, housed, feed and secure.

Life insurance is a financial tool that lets you meet your financial obligations in the event of your death. Among other things, it will:

  • Cover your funeral expenses

  • Cover your current mortgage debt owing to your bank

  • Cover your income taxes and debts after your death

  • Help maintain your beneficiaries’ standard of living

  • Leave an inheritance for your loved ones

  • Allow you to save money, because the insurance amount and savings accumulated are tax-free

  • Provide you with more income during retirement

  • Terminal Illness clause* - if diagnosed and you have 24 months left to live, your policy can release up to 50% of your death benefit to you. (if you qualify) 

* Supported by your doctor

Request an Online Quote 

or call 416-821-8050

We are in the business of alleviating family financial burdens.



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Term Plans


Term Insurance covers short  term debts, including mortgage debt at affordable rates.


Pick-A-Term life insurance stands out from other coverage's on the market by allowing your clients to choose their coverage term, from 10 to 40 years.


Term 10,Term 20 or Term 25 insurance is a convenient, affordable solution. for temporary insurance needs related to specific life events such as:.

  • Cover your funeral expenses

  • Cover your income taxes and debts

  • Cover your current owing mortgage debt

  • Help maintain your beneficiaries’ standard of living

  • Leave money to your heirs


Whole Life  Plans


With permanent whole life insurance  you’ll have the peace of mind of knowing your family is covered.


You’ll not only benefit from fixed premiums but also a surrender value in the event your future plans exceed your past needs.


  • Secure your loved ones’ future

  • Plan for your retirement

  • Leave money to your heirs

  • Take the time needed to find a buyer after the death of a business partner

  • Available Guaranteed Level Premium Plans:

  •  to age 65

  •  to age 100

Why not combine both term and permanent? Ask me.


Guaranteed & Simplified issue life insurance Plans

Product for insureds between 6 months and 80 years of age who are more difficult to insure. By answering a few simple medical questions, clients can get permanent or 20-year term coverage of up to $300,000 depending on your health for either term or whole life coverage.


If you have already been refused or who don’t qualify due to their health can still get Guaranteed coverage of up to $25,000, or $10,000 for children under age 18, for either term or whole life coverage.


* No Medical Required up to $500,000


Universal Life Plans


Universal Life - is a combination of permanent insurance and savings.


 It offers lifetime coverage and the opportunity to save with certain tax benefits with optional term and or critical illness riders attached.


Universal Life insurance policy is an indispensable financial tool for clients seeking flexible coverage combined with incomparable savings advantages.


It also offers a wide range of affordable insurance options and allows you to accumulate large amounts within a tax shelter and several distinct advantages in comparison to traditional non-registered investments.



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