Bringing the future to life

Life insurance coverage that can be designed not to expire and often combines a death benefit with a tax-advantaged savings component that grows based on investment performance. Can be used for a wide range of individual and corporate strategies including estate planning, retirement savings, income protection, and charitable giving.

Life insurance protection for a set period of time, usually with fixed terms between 10 to 30 years, without a savings component. Simple and often the most affordable coverage, it is especially effective for needs that are time bound like a mortgage. Often used for income protection and key person insurance.

Protection against the expense of needing care to go about activities of daily living for an extended time, due to old age or disability. It is available as a standalone policy or combined with a life insurance policy as a living benefit.

Long-term disability insurance protection that compensates when unable to work for an extended period of time due to illness or injury. Often based on a fraction of income.

Designed to provide a steady stream of income during retirement, annuities are typically purchased with a lump sum or a series of payments. Annuities can be fixed, variable, or indexed, offering various levels of risk and potential returns. They can be used for retirement planning, income protection, and wealth transfer strategies.