Protect What Matters Most
Permanent Insurance
Permanent Insurance
Permanent Insurance
Often referred to as "Whole Life Insurance," permanent life insurance is a type of life insurance that provides coverage for your entire life and can also build cash value. This cash value means that you can potentially withdraw or borrow against the accumulated value of the policy while you're still alive, providing an added layer of financial security. Additionally, permanent insurance is available in both fully underwritten and simple-issue formats.
I specialize in offering insurance services related to participating life insurance for clients who would benefit from and qualify for this specific product. Essentially, participating life insurance is a type of underwritten, permanent life insurance.
What sets participating life insurance apart from traditional options? These policies combine permanent life insurance with an investment component. As a policyholder, you’re part of a “participating” pool that contributes to investments, alongside the guaranteed value of your life insurance policy. These investments can yield dividends. While dividends are not guaranteed, many insurers have consistently paid them for decades, with the current rate for iA PAR standing at 6.35%.
Living Benefits
Permanent Insurance
Permanent Insurance
A serious illness can lead to significant financial repercussions for individuals suffering from the condition and their families. Our critical illness insurance offers essential financial security that is easy to apply for, enabling them to concentrate on their recovery.
Additionally, disability insurance provides monthly income to compensate for lost earnings due to a disability. This coverage is an ideal solution to prevent a disability-related work stoppage from negatively impacting a person’s finances and lifestyle, ensuring continued financial stability.
Mortgage Insurance
Mortgage Insurance
Mortgage Insurance
In 2026, over one million Canadian mortgages are set for renewal, with many homeowners, particularly those who secured low fixed rates during the pandemic, expected to face significantly higher monthly payments. But there’s also an opportunity to save money on your month-to-month expenses, by purchasing your own mortgage insurance through iA rather than through your mortgage lender.
Travel Insurance
Mortgage Insurance
Mortgage Insurance
Partnered with TuGO, travel insurance provides you coverage that anticipates the risks that come with travelling abroad.
Simplified Issue (Non-Medical) Life Insurance
Simplified Issue (Non-Medical) Life Insurance
Simplified Issue (Non-Medical) Life Insurance
Simplified issue life insurance products are designed to insure clients between 6 months and 80 years of age, who are more difficult to insure. By answering a few simple medical questions, clients can get permanent or 15-year, 20-year or 25-year term coverage of up to $500,000 depending on their age and their health. Whether you've been denied life insurance because of your age or health condition, or are worried about being denied, Access Life offers a guarantee of acceptance.
Child Life & Health Duo
Simplified Issue (Non-Medical) Life Insurance
Simplified Issue (Non-Medical) Life Insurance
The Child Life & Health Duo is hybrid coverage that offers a practical solution to parents who want to insure their children and cover their critical illness insurance needs at an affordable cost.
When a child is stricken with a critical illness, the Child Life & Health Duo provides parents with the financial support they need to stay at the child’s side and assume the resulting expenses.
This whole life insurance product accelerates payment of 50% of the face amount in case of critical illness before age 30.
The critical illness portion can be converted to permanent critical illness between age 18 and 30 without medical proof.