Risk Management - Insured Products Whether a catastophic claim, or simply guaranteeing your retirement income, we can find a product to meet your objectives.   Key Man Insurance Make sure you have the cash to replace a key person in the event of their death or disability.   Employee and Dependent Life Insurance A great way to provide some coverage with no medical evidence.   Partnership or Buy-Sell Insurance You can use Life Insurance to purchase the shares back from your partner's surviving spouse. Short Term Disability Covers from first day of hospitalization until Long Term Disability comes in..   Long Term Disability Covers up to 75% of gross earnings tax free up until Age 65 if you qualify.   Critical Illness Receive a limp sum upon diagnosis of up to 22 diseases. Pension Plans Money Purchase or Defined Benefit.   Group RRSP Fully portable and easy to administer. An alternative to more complex Pension Plans.   RRIF, LIF, LRIF, RRSP, and Annuities Contact us for a consultation for whats best for your retirement planning.