Insurance Planning

Term Insurance

Provides temporary insurance for your family or business with affordable and flexible coverage. Your term coverage can be between 10 years to 100 years.

Permanent Insurance

Provides lifetime protection and premium guarantees. The coverage typically combines a life payout with a savings component. The two primary types of permanent insurance are whole and universal life.

Critical Illness Insurance

Will provide a tax-free payout if you are diagnosed with a critical illness. Generally, there are 26 illnesses or conditions covered by the policy, including cancer, heart attack, and stroke.

Disability Insurance

Can provide a tax-free monthly income to help replace your income and cover expenses, if you are unable to work due to illness or accident.

Are you retiring or soon to be losing your present group benefits coverage? Are you self-employed and need coverage for you and your family? An Individual health and dental plan can help cover your household medical cost, as well as provide coverage for critical illness, disability, and long-term care.