The permanent need for life insurance allows the deceased to assume his/her responsibility at the time of death.

Over and above these basic needs, we can consider:

The need for Term Insurance allows us to assume certain precise needs at the time of death

• Funeral costs
• Basic taxation at time of death
• Financial leverage for your loved ones

• A more important taxation debt if your assets are considerable
• An additional amount to bequeath to your estate

• Important debts
• To take responsibility of the children until they become adults
• Loss of revenue of dead spouse

Critical illness benefit or priority care

Here are some examples of illnesses that are covered:

This protection will help you pay for:

Definition: It is an insurance product that allows a lump sum cash payment if a diagnosis of one of the covered illnesses listed in the policy is made by a physician. There are approximately twenty covered conditions.

Stroke, severe burns, cancer, blindness, coma, Alzheimer's disease, Parkinson's disease, paralysis, deafness, myocardial infarction.

• Survival expenses
• Medication or treatments non covered by the provincial healh insurance program
• Medical care in a foreign country
• Home care
• Changes to the home
• Unpaid leave for the spouse
• Wage loss
• The mortgage and other debts

Disability Insurance Coverage

This protection covers:

Definition: This protection will replace your employment revenue if you face an incapacity and are unable to accomplish the tasks related to your profession because of an illness or an accident.

• The groceries
• The telephone bill
• The electricity bill, etc.
• The mortgage payments
• The car payments

• The school fees for your children
• The continuation of your savings for your retirement program
  
  

Long term care

With this protection, you will benefit

Definition: This protection will allow you to receive long term care without or with less financial worries according to the chosen terms of the contract should you be unable to perform 2 or 3 activities of daily living such as: feed yourself, go to the washroom, take a bath, getting around or experiencing continence problems.

• Home care
• Institution care

The needs of persons 25 years of age or older who wish a superior quality of care.