Impact Wealth

Personal Insurance

Protecting what
matters most.

Personal Protection, Built to Last

Your financial security shouldn’t depend on chance. The right insurance protects the people and future you care about most.

Our team will work with you to identify the coverage that fits your life and integrates with your broader financial strategy — so every decision works together to build Wealth, Well-Built.

Life insurance

The right life insurance provides lasting peace of mind — protecting the people and future you care about most. We take the time to understand your goals and tailor coverage to fit your unique needs.

Our solutions include Term Life, Participating Whole Life, and Universal Life insurance — designed to offer protection today and flexibility for tomorrow. We partner with Canada’s leading insurance providers and industry experts, giving you access to the best options and value available.

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Complete health insurance for families

Health insurance

Unexpected health care costs can put pressure on even the best financial plans — and risk depleting your savings in retirement. Having the right health coverage provides confidence that you and your family are protected when it matters most.

Complete Health by Medavie Blue Cross is designed to fit your budget today and grow with you over time. Choose flexible coverage options, add or remove family members as needed, and even pass coverage on to your children when they leave your plan.

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Disability insurance

Your ability to earn an income is one of your most valuable assets — and protecting it is essential to any strong financial plan.

A comprehensive Disability Insurance policy provides an income stream if illness or injury prevents you from working, helping you maintain your lifestyle and financial commitments. Even if you have disability coverage through an employee benefits plan, there’s often a gap between what’s covered and what you actually need. We can help fill that gap with a personal plan tailored to your profession and designed to keep pace with inflation for long-term protection and peace of mind.

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Critical illness insurance

A serious diagnosis can change your life in an instant — and the financial impact often adds unnecessary stress during an already difficult time.

Critical Illness Insurance provides a tax-free lump-sum benefit following the diagnosis of covered conditions such as cancer, heart attack, or stroke. This benefit gives you the freedom to focus on recovery — whether that means reducing work, seeking specialized treatment, or supporting your family. Many policies also offer a return of premium feature if the coverage isn’t needed, giving you valuable protection and flexibility.

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Frequently asked questions

Should I take mortgage insurance offered by my bank?

While bank-offered mortgage insurance can seem convenient, it’s often better to purchase your own life insurance policy to cover personal debts like your mortgage.

Owning your own policy gives you greater flexibility — you choose the beneficiary, can change lenders without losing coverage, and adjust the amount of protection as your needs change. In most cases, personal coverage provides stronger protection and better value over the long term.

I have Disability Insurance through work, is that enough?

Disability Insurance is often called paycheque protection and is an important part of any strong financial plan.

Most employer plans only replace a portion of your income, and benefits may be capped or taxable. This can leave a gap between what you receive and your actual take-home pay. We can help you review your group coverage and fill any shortfall with a personal plan tailored to your needs, lifestyle, and long-term goals.

What if I have a heart attack or get diagnosed with cancer?

A serious illness can bring emotional and financial challenges for you and your family.

Critical Illness Insurance helps protect your finances during recovery by providing a tax-free lump-sum payment after the diagnosis of a covered condition such as cancer, heart attack, or stroke — and more than 20 others. This benefit gives you the freedom to focus on treatment and healing, not expenses. Many policies also include a return of premium option if no claim is made.

We help navigate life’s most important financial decisions

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