Available Products
Critical Illness Insurance
Although most plans have a pre-existing condition limitation, some insurers are doing away with that stipulation. In fact, the pre-existing status and the elimination period are the only limitations typically written into critical illness policies. Insurers continue to consider relaxing both of these requirements,
Critical illness insurance should not be confused with short or long term disability insurance, which pays out a proportion of salary when employees are unable to work for medical reasons and requires proof for benefits to continue. Further, critical illness is a good complement to life insurance as a living benefit – a way to provide a full circle of financial relief for family and loved ones in the event of catastrophic illnesses.
Disability Insurance
While Individual Disability Insurance can be structured as a voluntary benefit, most employers cover the cost. That’s because they see it as a valuable perk to attract and retain senior management.
Individual Disability Insurance serves everyone’s interests. It reduces the exposure and assures the financial security of an organization’s key employees – and it’s portable, as well, so employees can “take it with them” which further adds to its value. For employers, it’s an attractive tool for recruiting and retaining top talent in today’s competitive market.
Blue Cross Personal Healt Insurance
Purchase personal health insurance directly through Saskatchewan Blue Cross today!
Travel Insurance
Whether you travel outside your province or to another country, it is essential that you are properly protected with insurance that covers any medical expenses that arise. The reason is simple: even if your provincial plan will pay for emergency medical treatment, the amount covered is based on what that same service costs where you live — and there are many essentials that government health insurance plans do not cover at all.
As a result, you could be out of pocket for a substantial sum, depending on where the emergency occurs and the treatment received.
Permanent Life Insurance
What distinguishes the types of policies in this category from term policies is that they are good for as long as you pay the premiums, plus, all have a cash value component.
There are distinct differences among these policies, though. Here’s an overview of some of the better known options include Universal Life, Whole Life and Variable Life Insurance.
Term Life Insurance
Term life insurance allows you to buy a policy that protects your interests for a period of years – typically between 10 to 30. If you and your spouse are just starting out your lives together and want to make sure your longer-term needs are covered while you accumulate assets, this is the way to go.
Term covers future earnings, especially to supplement your group life insurance benefits, should either or both of you die prematurely. Your children’s living expenses and future college costs. That 30-year mortgage on the house you just bought.
Segregated Funds
Investing your money is an effective way to put your money to work and build your wealth. By investing smart, it helps give you more flexibility to earn more on your money, build more security for your retirement, and ultimately give you the chance at achieving your financial goals and dreams. However, investing comes with risks. Segregated funds can help prevent these risks!
Schedule a Discovery Consultation
Secure your legacy with confidence. Schedule your free discovery consultation to explore personalized insurance, succession, and transitional wealth planning strategies. We'll help you build a clear path forward—protecting what matters most for generations to come.
