Segregated funds are investment products offered by insurance companies that combine the growth potential of mutual funds with the security of insurance guarantees. They protect part of your capital and are often used for estate planning and can provide protection from creditors.

Critical illness insurance provides a lump sum payment if you're diagnosed with a covered serious illness, like cancer or heart disease. The payout can be used to cover medical bills, recovery expenses, or day-to-day living costs.

Partnership life insurance is essential for business owners, providing financial security in the event of a partner’s passing. This coverage helps ensure a smooth transfer of ownership by funding a buy-sell agreement, allowing remaining partners to buy the deceased partner’s share without financial strain. It protects business continuity, secures the company’s value, and offers peace of mind to both partners and their families.

Permanent life insurance provides lifelong coverage and includes a cash value component that grows over time. It offers both death benefits to your beneficiaries and the opportunity to accumulate tax-deferred savings, making it a valuable tool for long-term financial planning and estate preservation.

Group insurance provides employees with access to benefits like life, health, and disability insurance, often at lower premiums than individual policies. It helps employees feel secure knowing they’re financially protected through their employer.