Life Insurance
Life insurance protects the people you love most by replacing lost income, covering debts, and providing long-term financial security. Whether you’re building a family, growing a business, or planning ahead, the right coverage gives you peace of mind knowing your future is protected. We help you choose the right type of insurance — and the right amount — based on your goals, budget, and stage of life.
Who’s it for
Individuals and families
Homeowners with a mortgage
New parents or growing families
Business owners (for personal or corporate needs)
Anyone with dependents or financial obligations
People wanting to build long-term wealth or leave a legacy
Types of Life Insurance
Term Life Insurance
Affordable, flexible coverage for a set period (10, 20, or 30 years). Ideal for mortgages, income replacement, or young families.
Permanent Life Insurance
Lifetime coverage with stable premiums and long-term security.Whole Life Insurance
Guarantees lifelong protection with cash value that grows over time.Universal Life Insurance
Flexible lifetime coverage with investment options and tax-advantaged growth.
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It depends on your income, debts, mortgage, number of dependents, and long-term financial goals. Most families choose coverage that replaces 5–10 years of income, plus enough to pay off major debts and support children’s education. We’ll calculate the amount that makes sense for your situation.
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Term life is great for temporary needs (mortgage, raising kids). Whole life is ideal for long-term stability, predictable premiums, and guaranteed lifelong coverage that doesn’t change — even after a diagnosis. Many people combine both to get the benefits of each.
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Yes. Many Ontario business owners use corporate-owned life insurance for tax advantages, succession planning, and protecting the business if something happens to an owner or key employee.