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Life Insurance products (Term, Whole Life, Universal Life) will ensure that you and your family are financially secure for your lifetime.

When you plan for the future, one of the things you count on is continued income for yourself and your family. Without this income, your family’s lifestyle and standard of living may be at risk. Should you die prematurely, a new source of regular income will have to be found. Most Canadians

use life insurance to address this problem. Life insurance creates an instant estate to support your family in case of your premature death. In addition to providing a tax-free benefit upon death, life insurance has may other applications. It can be a vehicle to provide:

There are various types of life insurance available to today’s buyer. We are proud to offer a complete portfolio of insurance products designed to meet your current and future needs. We offer the following:

(A) Term Insurance

Designed to meet short-term needs. Our Five and Ten Year Term plans provide a guaranteed and level amount of insurance. Term policy premiums are low at the beginning and increase at regular intervals.

(B) Whole Life Insurance

Provides guaranteed level premiums and guaranteed insurance coverage for life. The level premium is higher than initial term insurance premiums, but this higher premium contributes toward a significant tax-deferred savings component. We offer several permanent Whole Life Insurance plans which have the potential to pay dividends.

Another form of permanent insurance, Universal Insurance offers more flexible premiums and changes in unsurance coverage amounts. A separately identifiable savings component builds up under one of several investment options and varying rates of return.

Level Term Insurance

Provides guaranteed level premiums and guaranteed coverage for life. There are two versions of this product. One version requires lifetime premium payment and provides no cash accumulation within the plan. The other version features a 20-year premium payment period and provides a guaranteed cash value after this time.

Whatever your insurance and financial needs, we have the plan for you!

Insurance is something that we do not give much thought to. However, insurance is the very thing that affects us throughout our lives. Security and peace of mind are key aspects to enjoying a happy and fulfilling life. We work hard for our families and try our best to provide for them the best that we can. But how can you ensure that you and your family can endure even the most arduous problems that may arise during one's lifetime?

In the event of an unforeseeable accident or illness, will we be protected from the complications that such events may incur?

How will we cope? Can we manage? Will it be alright? These are questions which face us during such times. There are so many things to think about. Insurance takes care of all of these worries by providing the most basic form of protection. That is protection for the future. A safeguard which prepares against accidents or illness.

This is why having insurance is important. A little attention now saves a lot of headaches later. As a result insurance is important to you and your family.