Life Protection

There are people in our lives who are as important to us as life itself. People who we love with whom we are building a future together. Children and grandchildren who are our investment in the future. And we are an asset to them that is truly irreplaceable. Life protection is the guarantee of that commitment.

  • Why do I need protection?

    • Leave your loved ones debt-free
    • Provide a fund that will generate ongoing income for your family
    • Safeguide education for your children
  • What’s wrong with 'typical' mortgage insurance?

    • Often not economical for mortages larger than $350,000
    • Usually plans are 5-year terms with expensive renewals
    • As the mortgage is paid down, premiums usually do not decrease
    • Applicants often rejected for minor medical issues
    • Coverage decreases as the mortgage is paid, leaving survivors mortgage-free, but without other resources
  • Term Life

    • Premiums have decreased over the last 4 to 6 years
    • Rates can be guaranteed for periods of 10, 20 or 30 years
    • Renewal rates are guaranteed
    • Options may be available to convert to a permanent (lifetime) plan without medical evidence
  • Estate Plans

    • Plan for final expenses and tax liabilities 
    • Create a legacy for your loved ones or favourite cause
    • Guaranteed annual premiums, with options to stop paying after 10, 15 or 20 years
    • Option to shelter non-registered investments from tax
  • The usefulideas® advantage

    • Flexible consulting fees
    • Plans tailored to your needs and your budget
    • We survey the competitive marketplace
    • Avocate during the underwriting process to address any issues