Our Products
Business Insurance Products
Employee Group Benefits
An Employee Group Benefits Plan can include:
- Employee Life Insurance
- Accidental Death & Dismemberment Insurance
- Dependent Life Insurance
- Short-term Disability
- Long-term Disability
- Extended Health Care
- Prescription drug
- Semi-private Hospital
- Out-of-Country
- Paramedical Coverages (Chiropractic, Massage Therapy, Physiotherapy, Naturopathy, Psychologist, Speech Therapy, etc.)
- Dental Care
- Critical Illness Insurance
- Office/Business Overhead Insurance
- Employee Assistance Program
Buy/Sell Insurance
Buy-Sell Agreement Insurance provides the funds to ensure execution of the legal agreement between shareholders or business owners that allows for the smooth transfer of ownership upon the disability and/or death of a co-owner.
Key Person Insurance
Key-Person Insurance is the protection placed on a key employee (anyone associated with your business whose unique talents make a significant contribution to your bottom line) that will provide the necessary funds to hire and train his or her replacement, upon the death and/or disability of the insured employee.
Business Overhead Insurance
Office/Business Overhead Insurance is designed to reimburse eligible business expenses (rent, telephone, legal, accounting, vehicle, hydro, heat, taxes, etc.) during the period of an owner’s disability.
Salary Continuation Plans
Salary Continuation/Disability Insurance is a tax-effective method for a business to provide coverage for owners and/or key employees should an injury or illness occur that precludes the insured from performing his or her employment duties.
Chambers of Commerce Group Insurance Plan
- Extended health care
- Group term life
- Critical illness
- Best Doctors
- Dental
- Disability (Short term and/or Long-term)
- Accidental death and Dismemberment
- Employee Assistance Program
Our contracts with insurance carriers continually expand, and currently include:
- Chamber of Commerce Group Insurance Plan - click HERE to view a brochure of available coverages
- Great West Life - click HERE to view a brochure of available coverages
- Sun Life Financial
- Manulife Financial
- Empire Financial
- Standard Life
- Desjardins Financial
Personal Insurance Products
Life Insurance/Mortgage Insurance purchased as either a permanent or term life product to suit your needs and means. You own it, not the bank!
Disability Insurance/Income Replacement that moves with you should you move to another company. Transferrable when you change employers.
Critical Illness Insurance provides you with a lump sum cash benefit after the diagnosis of covered illnesses (such as Heart Attack, Cancer, Stroke, Coronary Bypass, MS, Alzheimer’s, Parkinson’s, Organ Transplant, Paralysis, Kidney Failure, Coma, Blindness, Severe Burns, etc.).
Long-Term Care Insurance that provides coverage should you require long-term care in either a private facility or professional attention in the comfort of your own home.
Best Doctors Services provides, an in-depth review of your medical files by the most highly trained and qualified physicians in the world to assist in the development and confirmation of the diagnosis and to help develop a treatment plan for any of the following illnesses: AIDS, Alzheimer’s, Benign Brain Tumour, Blindness, Cancer, Cardiovascular Conditions, Coma, Deafness, Kidney Failure, Loss of Speech, Major Organ Transplant, Major Trauma, Motor Neuron Disease, MS, Paralysis, Parkinson’s, Severe Burns and Stroke.
Travel Insurance available for individuals or families for single trips or multi-trip annual plans. Travel plans are available for Ex-patriots and Visitors to Canada. Travel insurance can be purchased as a stand-alone or as a top-up to your employee benefits plan coverage.
Health Care/Dental Care plans provide for the reimbursement of eligible expenses not covered on your Provincial Healthcare Plans.
