Protect what matters most

We’re used to protecting our things with insurance. But how about protecting the people we love?

WHEN YOU WERE GROWING UP, your parents probably told you to look both ways before crossing the street, eat your vegetables and brush your teeth before bed. This wasn’t to make your life less fun, but to help make sure you were safe and healthy. Now, as an adult, you want to make sure your family is safe and healthy – protected. Although you can’t protect your loved ones from every bump and bruise, you can help protect them

financially when accidents or illnesses happen. There are a number of different insurance options no matter what your personal family situation is – for example, single, married, and with or without kids. The table below shows what might be a good fit for you. With a plan in place, you help ensure your family will have funds available to cover any immediate or long-term financial needs – whether that translates into help with medical expenses, mortgage payments or final

arrangements. You can rest easy and get back to what matters most to you.

Let’s talk

I can help you determine which type of insurance make sense for you and your family. Let’s take a closer look at your insurance needs and the products that can help protect you.

TYPES OF INSURANCE BY LIFE STAGE

JUST STARTING OUT
Includes new financially independent graduates, singles and those managing a first mortgage.
ESTABLISHING YOURSELF
Includes couples and young families, as well as people in mid-career with dependants.
BUILDING A BUSINESS
Includes entrepreneurs with a responsibility to protect their business and their family.
APPROACHING RETIREMENT
Includes anyone who is preparing to transition out of the workforce in the next few years.
YOU MAY NEED TO
Protect your income
Critical illness insurance
Disability insurance

Cover your debt
Term life insurance

YOU MAY NEED TO
Protect your income
Critical illness insurance
Disability insurance

Cover your debt
Term life insurance
Prepare to leave a legacy
Permanent life insurance

YOU MAY NEED TO
Protect your company with key person insurance
Term life insurance
(for small businesses and start-ups)
Permanent life insurance
(for more established companies)

Protect your income
Critical illness insurance
Disability insurance

YOU MAY NEED TO
Prepare to leave a legacy
Permanent life insurance

Protect your retirement lifestyle
Long-term care insurance