Life insurance is the simplest way to secure your family’s financial well-being. We offer plans that are affordable, flexible and provide peace of mind for you and those you care about.Read more...
Our mortgage life insurance plans offer the freedom to use the benefit however you see fit, whether it's covering your mortgage, paying for your child's education or paying off your loans.Read more...
Whatever your stage of life is, customized financial planning and investment solutions can help you achieve a secure financial future. We offer a range of financial products and solutions to meet your needs.Read more...
This calculator will give you an idea of the amount of insurance you might need to protect and provide for your survivors.
Total liability and cash needs +
Amount of income needed by your survivors
Total capital required to meet your cash and income needs
- Total assets
(include lawyer fees and any final taxes owing at death)
Total mortgage amount owing
(deduct any existing creditor life insurance on that mortgage)
Total loans and debts
(credit cards, lines of credit, bills)
Children education fund
(as an estimate use $10,000 to $15,000 a year per child, less any current education savings)
Emergency savings fund
(funds need to cover any unplanned events)
How much annual income would your family require to continue meeting their financial obligations?
(as an estimate use 60% to 70% of your current annual income)
How many years would you family rely on this income?
(as an estimate you can use the number of years until your children become independent or the number of years to retirement)
How much cash and other liquid assets such as GICs, RRSPs and other investments that could be easily liquidated do you have?
How much do you have in other disposable asset such as rental properties, cottages or business assets?
What is the total amount of existing life insurance policies?
(include personal insurance as well as group insurance under an employee plan)
Term Life Insurance offers an affordable way to protect the financial future of your family. This type of plan provides coverage for specific period of time at guaranteed premiums and is ideal for short term.Find out more...
With timely financial planning you can rest easy knowing you have guaranteed income for your retirement years. An annuity can provide the benefit of a guaranteed stream of income that can last a lifetime.Find out more...