Personal Insurance
Personal Insurances Available to You
Life Insurance
If you’re looking for life insurance, we offer a range of options designed to fit your needs at every stage of life. Whether you’re seeking a cost-effective short-term solution, a long-term investment, or a policy with added financial advantages, we’ve got you covered. Our life insurance experts will guide you through your options and help you choose the coverage that best protects you, your family, and your future.
Critical Illness
Critical Illness Insurance provides essential financial protection for employees and individuals facing unexpected health challenges. A critical illness protection plan allows you to focus on recovery without the added stress of financial burdens caused by serious diseases or medical conditions.
Typically, a group critical illness policy pays a tax free lump sum benefit of $50,000, while an individual policy may provide coverage up to $25,000, giving you flexible options depending on your needs. This lump sum can help cover medical expenses, ongoing bills, or lifestyle adjustments related to your illness, ensuring your finances remain stable while you concentrate on getting better.
Offering Critical Illness Insurance is a proactive way for employers to support their workforce and for individuals to safeguard their financial well-being. Whether it’s covering treatment costs, assisting with home care, or managing everyday expenses, this type of insurance provides peace of mind when life takes an unexpected turn.
Return of premium options also available.
Short Term Disability
Short-Term Disability (STD) Insurance provides crucial short-term income replacement for employees who are temporarily unable to work due to illness, injury, or medical conditions. This benefit bridges the gap between sick days and long-term disability coverage, ensuring employees can focus on getting better—without the added financial stress.
With Short-Term Disability Insurance, employees receive a portion of their income for a set period, typically ranging from a few weeks to several months, depending on the plan. Employers can customize the waiting period before benefits begin (often just a few days), making it a flexible and responsive option that supports overall workplace wellness.
Short-term disability coverage helps employees stay financially stable during recovery while helping businesses maintain continuity and morale. By offering STD benefits, employers demonstrate a strong commitment to employee well-being, reducing stress, supporting retention, and promoting a healthier work environment.
For organizations looking to enhance their employee benefits package, short-term disability insurance is a practical, high-value option that delivers immediate protection when life takes an unexpected turn.
Long Term Disability
Long-Term Disability (LTD) Insurance provides vital income protection for employees who are unable to work for an extended period due to illness or injury. This benefit ensures employees can maintain financial stability while focusing on recovery, covering a portion of their income when long-term absences occur.
With Long-Term Disability Insurance, employers can customize the plan to meet the needs of their workforce. The LTD option selected defines how long employees must be off work before benefits begin (the elimination period) and how long benefits are payable once approved, giving both employers and employees clarity and security during difficult times.
Offering LTD benefits not only safeguards employees’ financial well-being but also supports employee retention, workplace morale, and productivity. For small businesses, including long-term disability insurance as part of your employee benefits package demonstrates a commitment to workforce stability and care, providing peace of mind for both employees and employers.
Additional Services
Key Person Insurance
Key Person Insurance provides financial protection if a critical employee, owner, or partner becomes seriously ill or passes away. The payout helps cover lost revenue, recruitment costs, training, debt obligations, or transition planning—giving your business time and stability when it’s needed most.
Best for: Businesses that rely heavily on one or two key individuals to operate or grow.
Travel Insurance
Travel Insurance protects you against unexpected medical emergencies, trip interruptions, cancellations, and lost baggage while traveling. Whether it’s for business or leisure, having the right coverage ensures a medical issue or disruption doesn’t turn into a major financial setback.
Business Overhead,- Business Overhead Insurance covers essential operating expenses—such as rent, utilities, salaries, and professional fees—if you’re unable to work due to illness or injury. It ensures your business can stay open while you focus on recovery, without draining personal savings.
Best for: Self-employed professionals and business owners with fixed monthly expenses.
Buy-Sell Agreements
Buy-Sell Insurance funds a legally structured agreement between business partners if one partner passes away or becomes critically ill. The insurance provides the capital needed to buy out the departing partner’s share—protecting the business, remaining owners, and the partner’s family from financial uncertainty.
Best for: Partnerships and incorporated businesses with multiple owners.
Private Wealth Management
Private Wealth Management is a comprehensive approach to organizing, growing, and protecting your wealth. It goes beyond investments to include tax efficiency, insurance planning, estate considerations, and long-term financial strategy—all aligned with your personal and family goals.
Rather than focusing on products, we focus on structure, strategy, and outcomes, helping you make informed decisions at every stage of life.
Best for: Professionals, business owners, and families who want coordinated financial planning with personalized guidance.