Individual Group Insurance
Individual insurance provides coverage tailored to one person or family, ensuring personalized protection for health, life, or disability needs.
Group insurance, often offered by employers, covers multiple people under one policy—usually at lower costs and with broader benefits.
Why have it?
Security: Protects against unexpected medical or life events.
Cost Savings: Group plans often reduce premiums and offer better coverage.
Peace of Mind: Ensures you and your loved ones are protected.
Employee Benefits: For businesses, it attracts and retains talent.
Do you have enough life, disability and illness insurance? Find out before you need it
Most young people engage with insurance only when legally required—auto, tenant or home insurance.
Typical advice for saving on these types includes shopping around, bundling with other kinds of insurance, and raising your deductible to lower premium payments.
You can also ask for discounts, according to the Insurance Bureau of Canada: if you are mortgage-free, claims-free, or have upgraded your home against fire and flooding, you can likely get a better deal on your home insurance.
For drivers, installing a theft deterrent or a usage-based insurance app which tracks your driving habits can reduce your auto premiums. Keeping a clean driving record is also key, the bureau advises. Your broker or insurer can help find savings within your policy.
Non-mandatory insurance is a lesser-known game, however.
8 critical illness insurance myths
Critical illness insurance is hugely misunderstood. And if you’re not reading the fine print on your policy, you could be relying on inaccurate myths when deciding how much you’ll need. InsurEye, a Canadian insurance education site, has compiled a list of several critical insurance myths. We’ve picked eight that we think need busting.
Other Insurance Services
Life Insurance
Safeguard your income and future with our Disability Insurance coverage tailored to your needs.
Disability Insurance
Ensure your well-being with our Health Insurance options covering critical illnesses and long-term care.
Long-Term Care
Travel with confidence knowing you have comprehensive Travel Insurance protection wherever you go.
Financial Planning Tools and Calculators
Access our range of tools and calculators to help you plan for your financial future, calculate insurance needs, and make informed decisions.
Estate Planning
The Will Companion serves as a one-stop place to keep essential information for ongoing reference, as well as emergenices, providing an immediate and lasting benefit - a sense of control over your financial and personal affairs.
Investment Planning
Investment planning is essential for building long-term financial security. It helps individuals identify financial goals, manage risk effectively, and allocate resources wisely to grow wealth over time. With a structured investment plan, people can make informed decisions, stay disciplined during market changes, and improve their chances of achieving milestones such as retirement, education funding, or financial independence.
Philanthropic Planning
Philanthropic planning helps individuals give with purpose and impact. It aligns charitable goals with personal values and financial capacity, ensuring that giving is intentional, tax‑efficient, and sustainable over time. With a thoughtful philanthropic plan, donors can support the causes they care about most while creating a meaningful and lasting legacy.
Risk Management
Risk management is essential for protecting financial stability and long‑term goals. It involves identifying potential risks, evaluating their impact, and putting strategies in place—such as insurance, diversification, and contingency planning—to reduce uncertainty. A strong risk management plan helps individuals safeguard their wealth, income, and lifestyle against unexpected events.