Individual Insurance

Insurance
Written By Perla

Whether you're looking to protect your health, secure your family's future or assets, we offer tailored solutions designed to fit your unique needs. Our insurance options help you gain peace of mind, knowing you're covered against unexpected events. We guide you through the process so you can focus on what matters most—your future and well-being.

 

Life Insurance

Protect your future with personal life insurance designed to provide financial security and stability for you and your loved ones in the event of tragic loss.

We create solutions to give you peace of mind, with the variety of product partners we work with, by covering income loss, debts and future expenses. Life insurance provides a tax-free benefit to your beneficiaries, offering essential financial support in the event of your passing. Whether it’s ensuring your loved ones can maintain their standard of living, covering outstanding debts, or leaving behind a lasting legacy, life insurance helps safeguard the future with certainty and peace of mind.

 
Multi-generational family spending time together in the kitchen

How It Can Help

Life insurance is a foundation for financial security, protecting your family from unexpected burdens and allowing them to focus on what truly matters. Life insurance can help cover:

  • Income Replacement – Ensures financial stability by replacing lost income, helping your family maintain their quality of life.

  • Debt & Mortgage Protection – Helps cover outstanding loans, including mortgages and personal debts, preventing financial strain on your loved ones.

  • Final Expenses – Covers funeral and end-of-life expenses, easing financial stress during a difficult time.

  • Legacy & Wealth Transfer – Allows you to establish a financial legacy for your children, grandchildren or charitable causes close to you.

  • Business Continuity – Offers funds to help business owners maintain stability during changes.


Personalized Protection

No two families are alike, and neither are their insurance needs. That’s why we take a holistic approach, working with top-tier insurance providers to build a solution that aligns with your goals and financial situation. Whether you need term life insurance for temporary coverage or permanent life insurance for lifelong protection and wealth planning, we guide you through options to find the best fit.

Plan with confidence, knowing that your family’s financial well-being is in place—no matter what the future holds.

 

Critical Illness Insurance

A serious illness can change everything—your health, your daily life and your financial stability. Critical Illness Insurance provides a safety net, giving you a tax-free lump-sum benefit if you're diagnosed with a covered illness.

 

This financial support helps cover medical expenses, replaces lost income and ensures you can focus on recovery without the added burden of financial stress. If you're faced with a critical illness diagnosis, a Critical Illness policy can offer valuable peace of mind, allowing you to concentrate on your recovery. By protecting your family, you’re also protecting the life you’ve built and the loved ones who depend on you. This coverage can help address the financial impact of risks, disability and critical illness, especially if you're unable to work. With your policy, you can access financial support to cover essential expenses during challenging times:

  • Replace your income

  • Cover your mortgage and debts

  • Supplement gaps in your employer’s group plan

Why It Matters

A critical illness can occur unexpectedly and impose financial strain. While Canada's healthcare covers many medical costs, additional expenses like specialized treatments, out-of-country care, home modifications, and lost income can accumulate rapidly.

Key facts about Critical Illness in Canada

Critical illnesses can significantly impact Canadians. Here are some notable statistics highlighting their prevalence.

  • About 2 in 5 Canadians are expected to develop cancer in their lifetime, but survival rates continue to improve with advancements in treatment.¹

  • In Canada, heart disease is the second leading cause of death, after cancer, and it's a significant driver of hospitalization. Approximately 2.6 million Canadian adults aged 20 and over live with diagnosed heart disease.²

  • Approximately 878,500 Canadians aged 20 years or older have experienced a stroke, with about 108,707 strokes occurring annually³

The prevalence of serious health conditions and their potential impact on the financial burden of treatment, recovery and lost income can be significant. Personal Critical Illness Insurance provides financial protection when you need it most.

 

How Critical Illness Insurance Protects You

A serious diagnosis doesn’t just affect your health—it can impact your entire financial future. Critical Illness Insurance provides a lump-sum payment that can be used however you need, including:

  • Covering medical treatments not covered by government or private health plans.

  • Replacing lost income so you can take time off work to focus on recovery.

  • Paying for home care, rehabilitation, or lifestyle adjustments.

  • Supporting your family’s financial stability during a difficult time.

Plan for the Unexpected

No one plans to experience a critical illness, but being financially prepared can make all the difference. With coverage tailored to your needs, you can focus on your health while we take care of your financial security. 

 

Disability Insurance 

Your ability to earn an income is one of your most valuable assets—so what happens if an injury or illness prevents you from working? Disability insurance provides a financial safety net, ensuring that you can maintain your standard of living and meet your financial commitments if you’re unable to work due to a disability.

 

Why It Matters

Disability insurance is crucial for protecting your income in the event of a disability. A sudden accident or medical condition can have lasting financial consequences. Without a steady income, covering daily expenses, mortgage payments, and future savings can become a challenge. Disability insurance helps bridge that gap, replacing a portion of your income so you can focus on recovery without financial strain.

Disabilities can affect anyone, often leading to significant financial strain due to lost income and additional expenses. While government programs and workplace benefits may provide some assistance, they are often limited. Disability Insurance ensures you have a reliable source of income, so you can focus on recovery without the added stress of financial insecurity.


Key Facts About Disabilities in Canada

  • Prevalence: In 2022, 27% of Canadians aged 15 and over reported a disability, up from 22% in 2017.⁴

  • Severity: About 41% of people with disabilities experience severe impairments, affecting their ability to work and daily activities.⁵

  • Employment: Adults aged 25 to 64 with disabilities have a 62% employment rate, compared to 78% for those without disabilities, often facing income disparities.⁶

Protection through Challenges

  • Provides a steady source of income while you’re unable to work.

  • Helps cover essential expenses like rent, mortgage payments and daily living costs.

  • Reduces financial stress, allowing you to focus on recovery.

  • Offers peace of mind knowing that your financial well-being is protected.

Whether you’re self-employed, a business owner or working for a company, disability insurance ensures you have a plan in place should the unexpected happen. Take control of your future with coverage that keeps you financially secure, no matter what life brings.

 

Health & Dental Insurance

Your health is your greatest asset, and having the right coverage ensures you can access essential medical and dental care without financial strain. Health & Dental Insurance helps cover expenses not included in provincial healthcare plans, offering protection for individuals who don’t have workplace group benefits—whether you’re self-employed, a business owner or looking for additional security.

 
Father and son outdoors, representing family protection and future planning

Comprehensive Health Coverage

Unexpected medical costs can accumulate rapidly. Personal health insurance offers access to diverse healthcare services, ensuring necessary support.

  • Prescription Medications – Covers medication costs not included in provincial healthcare.

  • Paramedical Services – Chiropractic, physiotherapy, acupuncture, massage and naturopathy access.

  • Eye Care – Includes coverage for eye exams, prescription glasses and contact lenses.

  • Medical Equipment – Helps cover essential aids costs, such as prosthetics, wheelchairs, hearing aids and mobility devices.

  • Mental Health Support – Coverage for therapy and psychological services to support well-being.

  • Hospital Services – Offers extra benefits for private or semi-private rooms and outpatient care.

Essential Dental Coverage

Regular dental care is vital for maintaining long-term oral health, but treatment costs can be high. A dental insurance plan ensures that routine visits and unexpected procedures are covered, keeping your smile healthy and your wallet protected.

  • Preventive Care – Covers regular dental examinations, professional cleanings and necessary X-rays, all of which are vital to maintaining optimal oral health.

  • Basic Procedures – Helps pay for common dental work, including common treatments such as fillings, extractions and root canals.

  • Major Procedures – Supports coverage for more extensive treatments, such as crowns, bridges, dentures, and orthodontics.

  • Emergency Dental Care – Provides financial assistance for dental injuries and urgent care needs.

Personalized Plans for Your Needs

Coverage levels vary based on the plan you choose and your budget. Whether you need a plan that focuses on basic preventive care or comprehensive coverage for major medical and dental needs, we help tailor a solution that fits your lifestyle. Together, we’ll review your options to ensure you have the right protection for peace of mind today and in the future.

 

Travel Insurance

Whether you're exploring new destinations abroad or traveling within Canada, unexpected situations can arise. Travel Insurance provides financial protection against medical emergencies, trip interruptions, and unforeseen travel mishaps—so you can enjoy your journey with peace of mind.

 

Coverage for Every Trip

From medical emergencies to lost luggage, travel insurance ensures you're covered no matter where you travel.

  • Emergency Medical Coverage – Covers medical expenses for illness or injury while traveling.

  • Trip Cancellation or Interruption – Helps in case unforeseen circumstances force you to cancel or cut your trip short.

  • Lost or Delayed Luggage – Provides compensation for lost, stolen or delayed luggage.

  • Flight Delays & Missed Connections – Covers costs from delayed flights or missed connections.

  • Accidental Death & Dismemberment – Assists you or a loved one during a serious travel-related accident.

Visitor to Canada Insurance

For those visiting Canada, unexpected medical emergencies can lead to costly expenses. Visitor to Canada Insurance ensures that travellers who are not covered by Canadian health insurance have access to essential medical care and financial protection during their stay.

  • Emergency Medical Coverage – Covers hospital visits, physician services, diagnostic tests and prescriptions for unexpected illness or injury.

  • Medical Evacuation & Repatriation – Provides coverage for emergency transportation back to your home country if medically necessary.

  • Trip Interruption & Cancellation – Covers financial losses from trip disruptions due to unforeseen events like illness or emergencies.

  • Repatriation of Remains – Covers the cost of returning remains to the traveler’s home country in the unfortunate event of passing.

No matter your destination, having the right travel insurance ensures that you’re prepared for the unexpected. Whether you're a frequent traveler, a visitor to Canada, or planning a once-in-a-lifetime trip, we can help build the right coverage to fit your needs—so you can focus on creating unforgettable memories.

 
 
 

FAQ

    1. Term Life Insurance – Covers you for a set period (e.g., 10, 20 or 30 years). It’s less expensive, but expires if not renewed.

    2. Permanent Life Insurance – Covers you for life and may build cash value. Includes whole life and universal life insurance.

  • No. The death benefit is tax-free for beneficiaries.

  • Critical illness insurance pays a lump sum, while disability insurance replaces a portion of your income if you can’t work.

  • Depending on the product, it can vary between 4 and 25 illnesses, but common illnesses include:

    • Cancer

    • Heart Attack

    • Stroke

    • Multiple Sclerosis

    • Kidney Failure

    • Major Organ Transplant

    • Alzheimer’s Disease

    • If your employer pays the premiums → Benefits are taxable.

    • If you pay the premiums → Benefits are tax-free.

 
Contact Us to Find the Right Insurance for you and your family

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Perla
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