Life Insurance

Whatever your stage in life, we can help you feel financially secure with a life insurance plan that meets your specific needs – whether it’s family protection, business continuity, estate preservation or investment solutions. Our wide range of innovative insurance products are supported by the most effective, value-added services on the market today and backed by the strength of Canada’s leading life insurance companies.

Term Insurance

Ideal choice for both temporary and life-time needs of families. It gives you assurance that your entire family will be taken care of when you die. It can provide an ongoing income to maintain your family’s current lifestyle, pay off your mortgage or debts and provide money for your children’s education.

Whole-life Insurance

Whole life insurance provides permanent, lifetime protection for a level premium. Depending on the plan you buy, whole life insurance spreads the cost of your coverage over the lifetime of the policy or over a limited period of time.

Universal life Insurance

Universal life insurance is the most flexible life insurance available today. You can customize your plan when you buy it, or easily make changes later on. And universal life offers you the opportunity for tax-advantaged investing. This gives you the chance to increase your wealth by investing money within your policy.

Disability Insurance

If you become disabled, your ability to earn income may be compromised, and your ability to pay bills or save for retirement may decline. Our disability insurance plans are designed to help you meet your income requirements so you can concentrate on recovering from your disability and returning to an active life. The peace of mind that income protection can provide is available for professionals, business owners, business executives, and full-time, part-time or home-based workers. Whether you need to secure your main source of income or to supplement the coverage you receive from your employer or an association, we can help by providing a comprehensive and portable plan you can rely on throughout your working years.

Critical Illness

Getting sick isn’t something any of us like to think about. But it happens. Thanks to improvements in healthy living and medical science there’s a good chance you’ll recover and get on with your life. But getting better costs money. The cost to treat and cope with a critical illness is often significant and unexpected. That’s where critical insurance can help. It provides a cash benefit if you’re diagnosed with one of the covered conditions described in your contract and you survive the waiting period.

Long term care

Have you considered long term care in your retirement planning? Like many Canadians, probably not, but you might want to think again!

Health & Dental

Protect yourself and your family against the ongoing and unexpected cost of healthcare expenses. We offer a variety of flexible health and dental plans that are sure to meet all of your needs.

Travel emergency medical

Whether you’re planning a trip, expecting visitors, visiting Canada yourself or studying abroad, it’s wise to have the protection offered by Travel Insurance. No one expects to have a medical emergency away from home, or to have to cancel a trip due to an emergency. But these events happen and they can be disruptive and expensive. We offer a variety of Travel plans so that you may select the protection that best suits your travel insurance needs. Before, you travel, it’s wise to ensure you have coverage to protect you against the unexpected.
Insurance products and financial planning services are offered through Cloran Financial Planning. Manulife Securities Disclaimers Mutual Funds are offered through Manulife Securities Investment Services Inc. Banking products are available through referral