INSURANCE

 

Insurance

LIFE - Life insurance protects you and your family in the event of a loss.  There are two types of life insurances; Term insurance lasts for a set period of time and permanent lasts indefinitely.

HEALTH & DENTAL - Health and Dental insurance pays benefits for things like dentistry, eye care, orthodontics, massage therapy, physiotherapy, medical equipment, prescription drug, and many more.

TRAVEL - Travel insurance covers individuals, and families, leaving home in the event of a trip cancellation, baggage loss, and medical emergency.

CRITICAL ILLNESS - Critical illness insurance pays a benefit if you are diagnosed with any of the specified illnesses.

DISABILITY - Disability insurance is meant to cover your ability to earn income. If you become disabled, and can no longer earn an income, it will pay you a benefit.

LONG-TERM CARE - LTC covers the expenses that come along with a chronic medical condition, disease, or disability that are not covered by public healthcare. Example expenses would be assisted living, respite care, a specially equipped nursing home, home modifications to accommodate a disability, etc.

 

GROUP BENEFITS - Group plans give owners of small and large businesses the option of offering competitive health insurance to their employees or members. Often times, insurance is offered at a discounted price because the insurer's risk is spread across a group of policyowners.