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Financial Services

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Personal Solutions

Investment products offered by insurance companies:

Planning your financial future is one of the most important things you can do with your life. Every successful aspect of your life requires planning, whether it is planning a weekend, or planning a year long home improvement project. Personal financial planning could be the most important of all, because it can secure yours and your loved ones futures.


Tax planning plays a significant role in the wealth of every Canadian. It is important to understand which tax planning strategies are relevant for you in order to determine how to best structure your wealth plan. Tax planning is vital to discovering how to accomplish all the other elements of a financial plan in the most tax-efficient manner possible.

Planning for the transfer of assets at death is a critical element of retirement planning, especially if there are survivors who are dependent upon the assets for their financial security. Planning for estate transfer can be as simple as drafting a will, which is essential to ensure that assets are transferred according to the wishes of the descendant. Larger estates may be confronted with settlement costs and sizable death taxes which could force liquidation if the proper planning is not carried out.


A Registered Retirement Savings Plan (RRSP) is a retirement plan registered with the Canada Revenue Agency (CRA). Your annual RRSP contribution can be used to reduce the amount of income tax you pay and the money you put away can have years of tax-deferred growth potential. You only pay tax on the amounts you withdraw.

You’ve saved for your retirement and now you need an income. RRIFs allow you to draw an income while growing your savings tax deferred. You only pay tax on the money you withdraw.Under the rules governing registered retirement savings plans (RRSPs), you must collapse these plans by the last day of the year in which you turn 71. This means you must convert your savings plan to a vehicle geared to provide income, such as an income plan or a life annuity.

Although contributions are not tax deductible, the money within the plan grows tax-free until your child or grandchild withdraws it.The federal government offers the grants which increases savings even more. When RESP grants and earnings are withdrawn for educational purposes, they are taxed at the student’s tax rate, which is typically very low.

The tax-free savings account (TFSA) is a flexible investment savings vehicle that allows you to earn investment income (including capital gains) tax-free. The account can be used to meet a variety of financial goals.All Canadian residents aged 18 or older who file an income tax return are eligible to contribute to a TFSA. Contributions are not tax deductible and withdrawals are not taxable.


Term Life InsuranceTerm life insurance provides the most coverage for the lowest initial cost. It is well-suited to meeting large, short-term protection needs. It also provides the option to convert to a permanent life insurance policy without providing proof of health.Permanent life insurance protects you for your lifetime and can also build cash values that you can draw on later for business opportunities, retirement income supplement, or long-term/home care funds besides providing a death benefit.

Accidents and illnesses are facts of life. They could happen to anyone at any time. Disability insurance provides you with an income to help you meet your financial obligations and maintain your lifestyle if you become disabled.

Surviving a critical illness or condition such as heart attack, cancer or stroke can turn your life upside down. It can affect you physically, emotionally and financially. It can also affect those close to you, your spouse, your family, your business partner.Critical illness insurance can help you meet the financial burdens caused by a critical illness or condition. It offers a one-time, lump-sum benefit that you can use however you see fit. Certain critical illness insurance providers also offer Best Doctors that enables you to connect with the world’s leading medical professionals for second opinion.

Many families run into trouble when older family members need more care than the rest of the family can provide. Not only is this stressful, it can be a huge financial burden. The solution is to plan ahead, and consider the advantages of long-term care insurance. It provides a tax-free monthly income to help bridge the gap between the personal savings and provincial and private health insurance coverage.

Business Solutions

Business succession planning means the orderly transfer of a business to either an outside successor or from one generation to another in a manner that meets the needs of the owner. This type of planning involves understanding what the owner intends to get from the business through transition or retirement. Some individuals wish to hand over complete control while others wish to stay involved. Moreover, the death, disability or retirement of a business owner can be disruptive to not only the business itself, but also to the family and may even lead to the termination of the business. This can be avoided with proper advanced planning.
The loss of a key person could sometimes lead to severe consequences for the business. During the disruption, employees, customers and business partners may lose confidence in management. Key people, particularly in small business are not readily replaced, and the delays in recovering from their loss can be a blow for an organization.Key Person Insurance can help prevent this unexpected loss from harming your business financially. In the event of death, the policy proceeds provide the needed capital on a tax-free basis to keep the company going.
Group Insurance is an arrangement to share the financial risk of health-related expenses among a group of people who pays into a fund or pool, under one contract. With a group benefits plan, when a member of the group becomes ill or needs services, he or she is financially compensated by the plan, according to the terms of the contract. By offering a range of benefits, you ensure your employees maintain a good level of health and wellness. A basic group insurance plan includes life insurance, disability, health and dental care, but there are other options to suit a variety of needs.
With a group RRSP, eligible employees can have RRSP contributions deducted from each pay period. Direct contribution from payroll automatically reduces income tax for the employees. The employer can match contributions into the RRSP on either a monthly or yearly basis.