Insurance Planning

Term Insurance

Provides temporary, affordable, and flexible coverage for your family or business, with terms ranging from 10 to 100 years. Ideal for those looking for coverage for a specific period, such as to protect against short-term financial obligations.

Permanent Insurance

Offers lifetime protection with guaranteed premiums, providing both a life payout and a savings component. It combines security and investment opportunities. The two primary types of permanent insurance are whole life, which offers fixed premiums and benefits, and universal life, which allows more flexibility in premiums and coverage.

Critical Illness Insurance

Provides a tax-free lump sum payout if you’re diagnosed with a critical illness. Typically covering 26 conditions, including cancer, heart attack, and stroke, it helps ease the financial burden during a challenging time.

Disability Insurance

Offers tax-free monthly income to replace lost wages and cover expenses if you’re unable to work due to illness or injury, ensuring financial stability when you need it most.

Are you nearing retirement or losing your current group benefits coverage? Are you self-employed and looking for coverage for you and your family? An individual health and dental plan can help cover medical expenses, while also providing protection for critical illness, disability, and long-term care.