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Your Guide to Insurance Solutions

Life Happens

Life is difficult enough without worrying about the “what if” events – death, disability, illness.

Insurance helps you to focus on life and protect what is most valuable – you and your loved ones.

When planning your insurance, the last thing you probably want is to work directly with an insurance company. You may be looking for someone who works for you to help design the best possible solutions at the best price.

More importantly, your insurance portfolio needs to be designed within your overall financial plan. Otherwise, it may not be doing the right job and you could end up paying way more than you should.

That’s where we come in. With decades of experience and relationships with many insurers, the WealthSmart team helps you find the ideal insurance solutions to suit your specific needs.

We work for you – not the insurance company!

Term Life Insurance

When you simply want to protect those who depend on you, at a reasonable price, term life insurance could be the right solution.

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Permanent Life Insurance

You’ve worked hard to build your wealth. When you pass, your estate will probably have to pay hefty taxes and expenses. Your heirs may even need to sell assets at fire-sale prices in order to cover the costs. Protect what you've built through permanent life insurance.

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Universal Life Insurance

Universal Life is a form of permanent life insurance coverage that offers flexible premiums and full control over your investment options.

Critical Illness Insurance -

Most of us have been impacted, directly or through those we love, by critical illnesses such as cancer, heart attack, stroke or many other covered conditions. If this happens to you, critical illness coverage provides tax-free cash so that you can focus on recovery rather than face financial distress.

Disability Insurance

Your most valuable asset is your ability to generate an income. Disability insurance will continue to pay you while you are unable to work due to serious illness or injury. Your health is your wealth - protect your income.

Long Term Care Insurance

Most of us will eventually require some form of help as we age. If you cannot perform at least one. of the key activities of daily living, this coverage will provide the cash flow you will need to pay for long term care. Protect your dignity.

Mortgage Protection

Mortgage protection insurance is designed to pay off the remaining balance of your mortgage if something happens to you. This will allow your family to remain in their home without being forced to move due to financial hardship.

Key Person Insurance

Every business has team members whose absence could sink the company. What happens to your business if such valuable people get injured, sick, or die? Key Person insurance provides cash flow in order to help weather the impact of losing a valuable team member.

Buy Sell Insurance

What happens to a business if an owner or partner dies? A buy sell agreement specifies what will happen to the interests of an owner, partner or shareholder who passes away or becomes disabled. Buy sell insurance provides the tax-free cash needed to buy out the interests of the deceased from the family.

Extended Health Insurance

Provincial health care plans do not cover everything. Extended health insurance offers supplementary health and dental benefits, including prescription drug, dental, vision and hospital coverage not provided by your provincial program.

Collateral Life Insurance

Lenders get very nervous when a business owner/borrower dies. In such an event, the company could lose its financing and face financial disaster. Collateral Life Insurance assures that the company's loan is paid so that the surviving shareholders and family can focus on carrying on with the business..

Travel Insurance

If you get ill or hurt while travelling, medical costs can be substantial and potentially wipe out your life savings. Travel insurance provides coverage for the things that can happen to you when you are outside the province, as well as covering the cost of returning home afterwards.