Risk Management

is the process we use to:

  • Identify the risks that could threaten your financial security
  • Quantify the risks
  • Determine if there is some way to mitigate the risks through planning
  • Transfer the remaining risks that you are unable or unwilling to assume yourself to an insurance company


Risks Management Tools:

When you insure your life and health what you’re really doing is insuring the income that supports your lifestyle, as well as your ability to earn an income.

Ask yourself this: “If I die suddenly, will my family have enough money to maintain their lifestyle? How will I pay the bills if I have a heart attack or have to stop working because I’m being treated for cancer? What if I get in an accident and can’t take care of myself?”

Anything can happen, so you’ll want to make sure you have the right insurance.  There are so many choices it can be confusing. That’s why there’s Insure Right – a five-step process to help you determine the coverage that’s right for you.

Synergy Combination Insurance:
3-in-1 policy: Disability, Critical Illness, Life

(Note: Synergy is sold by, and is a registered trademark of The Manufacturers Life Insurance Company.)

Life Insurance

Disability Insurance

Use this Disability Needs Calculator to help you identify the amount of income you would need if a disability prevents you from working.

Critical Illness Insurance

Long Term Care Insurance

Health & Dental Benefits

  • Individual
  • Self-Employed
  • Group

Travel Insurance

Contact us for more information or  a no obligation quote
If you are a son or daughter of an aging parent, we highly recommend Let's Talk: The Care-Years - Taking Care of our Parents; Taking Care of Ourselves by Patty Randall.
This is the first book of its kind written for Canadians. Patty is an “edu-taining” national speaker and author on care-giving; the costs of care for families; government programs and services offered in each of our provinces and territories; the aging trends in our country impacting adult Canadians’ current lifestyles and retirements, and the everyday changes we all have to face to accommodate living longer.