To discuss your Life Insurance with one of our professional commercial lines representatives today, call 905-886-5630 or toll free at 1-800-567-1279, or fill out the online quote form.



Life Insurance provides for a sum of money on the death of the insured life. Generally coverage is available as Term Insurance, Permanent Insurance, Mortgage Insurance, Universal Life or some combination of these.

Permanent Life Insurance is any other type of life insurance other than term insurance. The main distinguishing feature from a term policy is that the benefit period can extend beyond the term of payment.

A Universal Life policy is a long-term financial planning tool. The financial security plan acts as tax sheltered savings vehicle that can be used to accumulate large dollar to fund for such things as a well-deserved retirement, finance an acquisition, education savings for children or leave as an inheritance.

Compared to other savings vehicles available in the market (GICs, savings bonds, etc.), this product has many competitive advantages:

• allows for multiple insured's
• fully guaranteed costs of insurance
• multiple investment options (includes market index accounts)
• interest bonuses on amounts accumulated
• guaranteed paid-up insurance options after either 10, 15 or 20 years plus an extra interest bonus
• term insurance providers (10 or 20 years)
• new disability income benefits
• surrender charges that do not penalize the excess premiums paid by the client
• shuttle amounts that exceed the exempt status.