Solutions That Fit Your Needs

Not sure which type of insurance to choose? Your financial security advisor can show you which product or combination of products is best suited to meeting your needs.

Your need for insurance often depends, in part, on your life stage and occupation. For details on how our products can help you meet your goals, click on the profile that best fits your current situation.

• Early career
• Family
• Empty nester
• Affluent and established
• Business owner

Early career

If you’re establishing your career or starting a family, you may have a variety of needs that we could satisfy with the right insurance products.

• Right now, your most valuable asset is your ability to earn an income. By choosing the right combination of life insurance, disability insurance and critical illness insurance, you can protect your income and your family.
• If you have a mortgage or loan, consider term life insurance. It will cover the debt if you die before your debt is repaid.
• If your employer doesn’t offer a group benefits plan, you may want to invest in additional health and dental insurance coverage.

Family

If you’re married with children, you may have a variety of needs that we could satisfy with the right insurance products.

• Help protect your family from financial hardship when times get tough with disability insurance, critical illness insurance or life insurance.
• You’ll also want to plan for your children’s future. You may begin a life insurance program for them at a low cost now that they can later build on, regardless of their health.
• If your employer doesn’t offer a group benefits plan, you may want to invest in additional health and dental insurance coverage.

Empty nester

If you’re over 50, you may have a variety of needs that we could satisfy with the right insurance products.

• You may have already retired or are thinking of retiring. You can use permanent life insurance to help supplement your retirement income.
• To help you leave a legacy, you might be interested in a permanent life insurance policy that will pass tax-free to your heirs or a charity.
• If you still have a mortgage, you might need some term life insurance to cover that debt in case you die before it is repaid.
• If your employer doesn’t offer a group benefits plan, you may want to invest in additional health and dental insurance coverage.

Affluent and established

If you’re a professional or business owner between the ages of 35 and 55, you may have a variety of needs that we could satisfy with the right insurance products.

• One of your most valuable assets is your ability to earn an income. We offer disability insurance specifically for professionals.
• Term life insurance or critical illness insurance can cover a business loan or mortgage if you die or suffer from a critical illness or condition before it is repaid.
• If you’re thinking of passing on your business to a relative or business partner, you can use permanent life insurance or critical illness insurance to help fund a buy out.
• You’re probably interested in passing on as much of your assets as possible to your heirs or a favourite charity when you die. Consider the benefits of permanent life insurance. It will pass tax free to your beneficiaries to help them pay the taxes, capital gains or settlement costs of your estate.

Business owner

If you own a business, you may have a variety of needs that we could satisfy with the right insurance products.

• Providing health and dental insurance to your employees can help you attract and retain skilled workers.
• Term life insurance or critical illness insurance can cover a business loan or mortgage if you die before it is repaid.
• If you’re thinking of passing on your business to a relative or business partner, you can use permanent life insurance, critical illness insurance or disability insurance to help fund a buyout.
• You can also purchase permanent life insurance, critical illness insurance or disability insurance for your key employees.
• One of your most valuable assets is your ability to earn an income. We offer disability insurance specifically for business owners.