Life insurance is almost a basic need. It’s the first step in Personal Financial Planning. It fulfills different purposes for different people and can provide valuable benefits if you make your choices carefully. Like many think mistakenly, it is not just for financial protection in the event of the untimely death of a family breadwinner. It can also be a comprehensive wealth accumulation solution that benefits almost all. Whether you are young or old, rich or poor, employed or a business person – you can get a plan tailor-made for you.

Health insurance gives you the freedom to seek treatments such as prescriptions, chiropractic care, physiotherapy, naturopathy, vision, and massage therapy. It also helps to pay for semi-private hospital rooms and medical equipment should the need arise.

Dental insurance is a huge benefit since it saves you a lot of money. You can protect your teeth and smile at a fraction of the price you’d pay without dental insurance. Still, coverage is often confusing. You need to know what you can and can’t do on your current plan

Under a typical Health & Dental Plan the following benefits may be offered:

» 80% of the cost of prescription Drugs subject to a maximum limit per year

» 80% of the cost for Medical & Paramedical Services subject to a maximum limit per year

» Vision Care (includes consultation with an optometrist)

» Dental Care (Preventive Services, basic care, major care & orthodontics care)

» 100% of the cost for Hospitalization subject to a maximum limit per day (Semi-Private or Private Room)

» Travel Insurance (first 30 days of a trip with a max benefit of $5,000,000)

We can help you find the dental and health insurance coverage you need at a price you can afford. You can also purchase optional benefits to enhance your coverage.