Get Independent Insurance Advice Working For You.
We offer unbiased Insurance advice to our clients and recommend the most suitable products, if any, after researching the entire market. The big advantage of independent financial advice is that you have access to all the various insurance products and carriers in the marketplace. Our job is to research and recommend the most appropriate insurance solution employing a detailed needs analysis and working within your budget. Whether our advisers make recommendations within the framework of a full financial plan or are helping you secure insurance coverage only, we take into account a number of different factors when assessing your need for coverage. our holistic approach to risk management includes;
Life Insurance
Pays a lump sum tax free benefit to the named beneficiaries upon the death of the Insured. This coverage provides peace of mind in knowing that the death of the insured will not cause any undue financial hardship.
Critical Illness Insurance
Offers a lump sum cash benefit upon diagnosis of over 20 covered medical conditions*. This protection gives you the freedom to make choices regarding your treatment, care and recovery as well as financial independence during a difficult time often preserving your investments and assets.Disability Insurance
Typically provides disability income benefits that begin at the end of a specified waiting period and that continues when the insured person either returns to work, dies, or becomes eligible for pension benefits.
Long Term Care Insurance
Provides for the day-in, day-out assistance you need when a serious illness or disability renders you unable, physically or cognitively, to care for yourself for a lengthy period of time. Long-term care can be provided at home or at a nursing facility, assisted living or alternative care facility.Business Protection
Business Overhead Insurance pays the insured’s business overhead expenses if he or she becomes disabled.
Insurance coverage to cover any shareholder obligation.
"Key Man" Insurance to cover the expenses related to the loss of a key employee.
Travel Insurance
Intended to cover medical expenses, financial default of travel suppliers, and other losses incurred while traveling, either within one's own country, or internationally. Exclusively offered through Manulife Financial.
Medical/Dental Insurance
Coverage for the expenses related to dental care and the costs that aren't covered under your provincial health plan. There are plans available on an individual and group basis.
General Insurance
General Insurance or Property and Casualty Insurance Services are provided exclusively through ALL RISK insurance brokers.
Coverage includes:
2) Automobile
3) Business Liability
