Health Insurance

Does your health insurance need a checkup?

Many people who are employed have group disability insurance coverage, and some may also have group critical illness coverage.  However, these plans can have limitations and may need to be supplemented.  In addition, people who do not have insurance coverage through their employer and those who are self-employed need to consider insuring themselves individually.

Points to ponder:

  • If you are diagnosed with a critical illness (such as cancer or heart disease, for example), your group disability benefits may not be enough to cover the costs associated with your treatment and care.

  • Canadians have a greater chance of having at least one occurrence of heart attack, stroke, or being diagnosed with cancer than dying before the age of 75.

  • Over 80% of hospitalized heart attack patients survive.  The percentage is higher for those with their first heart attack, and lower for those with recurrent heart attacks.

  • With today’s advances in medical science, your chances of survival are greater than ever.  You need some long term care and critical illness protection.

Please click the pictures below for details

 

 

RBC DS Long-term care life insurance

RBC DS Critical Illness


Individual Insurance Solutions

A solution for your personal needs

Through the use of insurance strategies, we can help you preserve your wealth during your lifetime, and protect the value of your estate for your family and other beneficiaries. 

  • Estate Creation and Preservation

  • Tax Minimization

  • Estate Maximization and Protection

  • Income Enhancement 


Corporate Insurance Solutions

Some of the best opportunities for small corporations, including holding companies, come from using tax-exempt life insurance.  It is a tax-efficient means of transferring wealth out of a corporation into the hands of the next generation when you pass away.

  • Funding Buyout Agreements

  • Shared Ownership

  • Minimizing Corporate Taxes and Maximizing Corporate Assets

  • Executive Life Insurance Planning

  • Business Succession Planning

  • Key Person Insurance