Life Insurance

Life Insurance provides your beneficiary a lump sum tax free "death benefit payment" in the event of your death. In addition life insurance can pay benefits if the insured becomes disabled, or critically ill. 

 

Term Life Insurance

• Suitable for young families, homeowners with a mortgage, and business owners
• Provides a lump-sum tax free death benefit in the event of a unforeseen premature loss 
• Provides affordable coverage
• Term Insurance provides coverage for a fixed period of time 

Permanent Life Insurance

• The two permanent insurance policies are Participating and Universal life insurance 
• Participating and Universal Life policies offer life time coverage and tax free growth
• Participating policies  typically have guaranteed cash value 
• Participating policies usually pays a dividend through out the year and the premiums remain the same
• Universal life policies are inexpensive, with the option to choose preferred investments
• Universal life policies have variable cash values

    

Travel Insurance

• Protecting you from unforeseen circumstances when travelling abroad or visiting Canada.
• Financially protects you from unexpected additional travel costs

 

Personal Care Insurance

• Provides insurance coverage if you are unable to care for your self, due to aging, accidents, disabilities, and other conditions

• The benefits issued from the policy are for personal care

 

Disability Income Insurance

• Designed to replace your income, in the event of a disability due to a serious illness or injury.
• Helping you maintain a portion of your monthly income while focusing on a healthy recovery.

   

No Medical Insurance

• Insurance policy that does not require you to complete a medical exam
• If you are declined, postponed, or rated, you may qualify for no medical insurance

Critical Illness Insurance

• Critical illness insurance  helps you maintain your lifestyle in the event life-altering illness.
•  Eligible for a lump-sum payment upon diagnosis of a covered critical illness
• Funds are disbursed for personal use 

 

Mortgage Insurance

• Mortgage insurance is designed to pay off your home, in the event of premature death
• Less expensive then premiums at other financial institutions 
• You can customize an insurance policy to suit your mortgage protection needs and name your own beneficiaries instead of the lender
• Your policy can be extended after the mortgage period if the loan is paid off

Business Insurance

• Provides business, employees and key person with insurance coverage
• Business insurance is a value to employees and funding in a buy-sell agreement.

 

Workplace Benefits

• Workplace benefits are an essential valuable benefit to your employees and family members

 

Investments     

• Our Horizon Insurance Advisors are dedicated to helping you meet your financial goals for retirement, education, or just simple investing.

•  RRSPs, TFSAs, RESPs or RRIFs.

•  Offers segregated funds which are exclusive to insurance companies, and guarantee you higher returns than regular GIC’s