Overview
Our individual solutions are designed to protect your lifestyle and typically consist of disability, critical illness, long term care, health and dental coverage. Life is full of unknowns. How to cover your expenses or get the treatment you require when experiencing an injury or illness should not be one of them.
The future of individual solutions?
The health risks that we are tasked with navigating and their associated expenses have changed. Concerns of another global pandemic are real. Over one third of new disability claims are from mental health issues, cancer rates and chronic diseases are on the rise, and the number of high cost medications coming to market continues to grow. We may not be able to avoid these challenges but we can certainly plan for them.
Key considerations for an individual solution:
How am I going cover my expenses if I am unable to work due to injury or illness?
How will I fund a shareholder buy sell agreement that is triggered due to a disability?
How will I fund the additional expenses associated with a major illness?
Where will the money come from if I am required to take a high cost medication?
How do I fund out of pocket health and dental expenses not covered by the provincial plan?
Will I outlive my retirement savings if I require long term care?
Whether you are a student just beginning your career, an established professional or a retiree, we will tailor our approach to you. If you have existing coverage in place and you engage our services, we will take you through our process and incorporate these tools into our future solutions. Let us make things easy for you and start the conversation.