Term life insurance provides coverage for a set number of years (e.g., 10, 20, or 30 years), while whole life insurance offers lifelong protection and builds cash value over time. Our advisors can help you choose the right type based on your financial goals.

This depends on your income, debts, dependents, and long-term plans. A general rule is 10–15 times your annual income, but we personalize your quote based on your unique situation.

Yes, we offer no-medical and simplified issue life insurance options, ideal for those with health concerns or who want quick approval.

In most cases, life insurance death benefits are not taxable and go directly to your beneficiaries, making it a powerful estate planning tool.

Super Visa insurance is mandatory health insurance for parents and grandparents of Canadian citizens or permanent residents visiting under the Super Visa program. It covers emergency medical care for at least $100,000 for a minimum of one year.

Costs vary based on age, health, and duration of stay. On average, it can range from $1,000 to $2,000+ per year. We compare plans from top providers to find the best rates for your family.

Yes, many insurers offer partial or full refunds in case of visa refusal or early departure, minus administration fees. We’ll help ensure you choose a flexible plan.

Yes! Monthly payment plans are available with certain insurers, making it more affordable to manage the cost.

Estate planning ensures your assets are distributed according to your wishes, reduces taxes, and provides financial protection for your loved ones after your passing.

Life insurance provides tax-free funds to cover final expenses, pay off debts, or leave an inheritance. It also helps avoid delays in probate and protects your estate's value.

Yes. A will is the foundation of any estate plan. It outlines your wishes and ensures your estate is handled properly. We work with professionals who can guide you in preparing one.

Not at all. Anyone who owns a home, has dependents, or wants to control how their assets are handled after death should consider estate planning.

An RESP is a tax-advantaged savings plan designed to help parents save for their child’s post-secondary education. The government matches your contributions through the Canada Education Savings Grant (CESG).

You can contribute up to $50,000 per child, and the government matches up to $500 per year per child (with a lifetime maximum of $7,200) through CESG.

Only the growth and grants are taxable — and usually taxed in the student's hands, who is likely in a lower tax bracket. Your original contributions can be withdrawn tax-free.

Yes! Anyone can open an RESP as long as they have the child’s Social Insurance Number (SIN). It’s a great way for family members to contribute to a child’s future.