Edmonton and surrounding area's leading specialists in employee benefits, personal insurance, disability, and health spending accounts.
Term Life Insurance
Term Life Insurance is suited to meet short-term protection needs at a low initial cost. Term life insurance policies meet immediate needs and are renewable after 10 or 20 years without providing proof of health. The price will increase at renewal, and the increase in premium can become substantial in later years. Coverage ceases for the majority of term contracts once you reach the age of 75 or 80.
Permanent Life Insurance
Permanent life insurance protects you for your lifetime. It can build cash surrender values and provide a death benefit. Our Edmonton Employee Life Insurance proceeds bypass probate and estate taxes if made payable to a named beneficiary and not the estate.
Participating Life Insurance
Participating life insurance, also called whole life insurance, provides permanent life insurance with a tax-advantaged cash value component. In addition, these policies have the potential for earning policy owner dividends. Participating life insurance doesn’t require hands-on management by the policy owner.
Universal Life Insurance
Universal life insurance provides a traditional life insurance component with a tax-advantaged investment component. You select an investment mix that is as individual as you are—taking into account the amount of investment risk you’re comfortable with and your financial goals and circumstances. This type of policy is attractive for people who want to actively manage their life insurance policy.
Long Term Disability
This benefit pays an income to employees who face long term absences from work due to an illness or injury. The LTD option you choose sets out how long employees must be off work before they can collect benefits and the length of time benefits are payable to disabled employees.
Short Term Disability
This benefit replaces salary during an employee's brief absence from work due to illness or injury. It pays a weekly income of 66 2/3% of gross earnings for employees under age 65 up to $800. Your company chooses from a range of options, deciding how long employees must be off work before they can collect benefits, and the length of time benefits are payable.