Do you have a kids? Do you like dirt biking? Are you a hunter? Do you have a job that is physically demanding? Are you accident prone? Do you have a history of critical illness in your family? Are you a hypochondriac? Did you recently get married? Have a new baby? Any life transition is a great time to review your insurance needs.  Contact me and we can have a chat....  

I help people find the proper insurance coverage for their lifestyle!

Living benefits provide you a payment after a covered injury or sickness, to help you focus on getting better. 

In our economy, the benefits provided by your employer may not be enough to sustain you in the event of an injury or sickness. If you are a business owner, you may not have any coverage at all. 

Living benefits provide peace of mind that you will be taken care of in the event of a covered injury or sickness.  


An insurance policy that will help you while you are still living......

What are living
                   benefits?

What are living 
                benefits?

Our policies include a lump sump payment for a broken bone or outpatient surgery.  Something as simple as a few stitches, or a broken bone will result in a lump sump payment, starting at $1,000.........

This will help if you need to purchase a boot or any type of medical equipment, if you don't have benefits.  It pays in addition to any other insurance, and will cover you in the USA or Canada.  

Payments up to $4,000 for a broken bone or stitches.....

Stitches &
                         Fractures

Stitches &                         Fractures

Sign Me Up!

Our policies include a payment for each day that you are hospitalized for a covered accident or sickness, including recover time when you return home.  Up to 3x the amount of days you are hospitalized.  

It pays in addition to any other insurance, and will cover you in the USA or Canada.  


A payment for each day that you are hospitalized, along with a recovery period when you return home.

hospitalization
                  & Surgery

hospitalization
             & Surgery

If you find yourself unable to work after a covered injury or sickness, our disabilities plans can provide a significant replacement of your income during your time off.  

Depending on your career, your income, and your options, the policies cover from $500/month to $8,000/month per covered injury or sickness.  

Some policies will cover in addition to other insurance and will cover you in the US or Canada. 

Up to $8,000/month disability coverage....... 

Disability
               PLANS

Disability PLANS

Let's Connect

Our policies provide a lump sump payment, after a 14 day survival of a covered critical illness.  We cover up to 26 conditions, as well as the option to cover children with an additional 8 childhood conditions.  

This coverage is super customizable.  

(Statistics from Canadian Cancer Society 2023)

2 in 5 Canadians are expected to be diagnosed with cancer in their lifetime.

Critical Illness
                  & Cancer

Critical Illness
                    & Cancer

Depending on the policy you choose, there are options to pay an additional amount and have ALL of your premiums returned after 20 years.

How is that for peace of mind?! Covering you for your insurance needs, but also falling back into an optional return of premium if you don't end up using the coverage.  AND if you do end up needing to use the coverage, it will STILL pay you back everything you didn't end up using! 

Money back?
Yep.....I said it.

Return of
              premium

RETURN OF PREMIUM

Ready to chat?

Insurance can be heavy, it's tough to navigate and I would like to help you through this journey.  We have many great options to choose from! 

If you would like a FREE consultation to discuss your lifestyle and insurance needs.

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