Yes! Policies that cover you for sickness or disability offer a “return of premium” option, where you receive back 50-100% of all premiums you paid if you don’t make a claim by the end of the term.

If you have an immediate need for coverage, like when you start a business or buy a home. The insurance offer or quote that you get is based on your age and health. If you're young and healthy, you'll get the best offers, so applying earlier is best. If you haven't applied before, or you're  experiencing some health difficulties, you can still apply and we'll design a policy that accommodates your need.

Critical illness insurance provides a lump-sum payout if you’re diagnosed with a serious illness like cancer, heart attack, or stroke. This payment is designed to help cover treatment costs or make up for lost income while you focus on recovery. Disability insurance is there to protect your income if you’re unable to work due to illness or injury. If you qualify, you can get up to 85% of your pre-disability income! Both of these insurances offer return of premium if you don't get sick or disabled.

Yes, it’s possible to replace an existing policy if your needs have changed or if you’ve found better terms. However, there are considerations, such as potential penalties, coverage gaps, or needing to undergo new medical exams. It’s wise to consult an insurance advisor before making changes to ensure you’re making a beneficial switch.

Yes! Certain types of life insurance, like whole life or universal life, go beyond traditional coverage by including an investment component. Part of your premiums contributes to building cash value over time, which can grow and serve as a long-term savings tool. This cash reserve can be accessed if needed, making these policies a powerful way to combine protection with wealth-building. This strategy is amplified for business owners, as they can add the investment to their corporate portfolio. If you’re interested in the added benefits and growth potential of this type of insurance, our advisors can help you decide if it’s a fit for your financial goals.

Term life insurance provides coverage for a set period (like 10, 20, or 30 years) and is generally the most affordable option. It’s designed to offer protection for a specific time frame and pays out only if something happens to you during that term. Whole life insurance, on the other hand, offers guaranteed lifelong coverage and builds cash value over time, which you can borrow against or use as part of your financial planning. Whole life is a great choice for those looking for both lifetime protection and a way to build savings over time. Our advisors can help you decide which option aligns best with your financial goals and needs.