Experienced Insurance Planning in Canada

the insurance advisor toronto relies on, trust 25+ years of experience

Providing peace of mind on all insurance needs

With sophisticated insurance planning and some of Canada’s most advanced insurance credentials, trust in a strong resource to provide you with the greatest peace of mind about your insurance needs. 

No one wants to spend money unnecessarily, and it is easy to think that life or disability insurance is a waste of money. In fact, this could not be further from the truth.

Coming from a Toronto Financial Advisor, buying good insurance is far more important than paying your mortgage or contributing to your RRSP. Learn more below:

Why Make Us Your Agent?

Learn more about how the team’s credentials and experience make us different from other insurance agents.

Company Group Insurance

A group health plan is a must for an employer who wants to retain their best employees and attract new ones. 

Life Insurance

Protect loved ones and grow your wealth. Get peace of mind and find the best plan for you and your family.

Disability Insurance

Disability insurance is expensive to buy, but is arguably more important than paying your mortgage or contributing to an RRSP.

Critical Illness Insurance

Critical illness insurance pays you a tax-free lump sum of money if you are stricken by a major illness.

For Business Owners

Explore a variety of insurance benefits including Overhead Coverage, Tax Shelters, Pension Plans for Shareholders and more.

Do You Hate Insurance? Here's Why You Should Buy

  • Your most valuable asset is your income. Over the course of your life, your ability to earn an income is worth millions. If you cannot work to earn an income, nothing else matters. Strong disability insurance is expensive, but a must. Most employer group disability coverage is woefully inadequate. Buy your own policy or add a top up policy to your employers’ group coverage.
  • Relying on your employer’s group coverage is a false comfort that you should re-think. Group coverage is not personalized for your needs, nor do you control it. Your employer can change the coverage or eliminate it all together at any time. Worse, if you change careers or you are fired, you may be left without insurance coverage at a point in life when you can no longer pass a medical to buy it on your own. Buy some personal coverage regardless of your group coverage.
  • In a family, often the spouse who is the primary family income earner will be the same spouse to decide how much insurance the family buys. This can be a mistake as I have often found that this spouse will choose to buy less coverage than perhaps would be appropriate. After a spouse’s death, the surviving spouse often needs more money than you thought. Keep in mind he or she may never be able to fully resume a career if they end up emotionally distraught with your death.
  • If you no longer need insurance to protect against risk of loss, you may want to consider insurance as an investment tax shelter. Insurance proceeds on death are tax free and disability insurance proceeds can also be structured to pay out tax free. In a country where we almost pay 50% taxation, insurance is one of the last few tax shelters. In fact, it is possible to generate more money after tax with an insurance policy than it is to buy a GIC or a bond.
  • Many people face the loss of a valuable family asset on the death of a parent. Large income tax liabilities can result in death related to cottages, small businesses, RRSPs and RRIFs. If the estate does not have the cash to pay the taxman, Revenue Canada may force the sale of the asset to pay the taxes. An insurance policy can be used to provide the cash to pay taxes on death and prevent the loss of a valued family asset.
  • Today, the cost of a good nursing home is $40,000/year/person. Historically inflation doubles our cost of living approximately every 20 years. If you want $80,000 - $100,000 per year per person to take care of your costs in old age, consider long-term care insurance to help cover these costs.
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