Sure Path Group

your path to
Financial Security

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Mountain view

Navigating your
Path to Employee
Benefit Solutions

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Navigating your
Path to Travel

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Mountain view

Personal Insurance

The many options in finding Financial Security

Our goal is to help you make informed decisions with the products in your portfolio. From securing a comfortable retirement, saving for a home or financing a child’s education, to protecting your family in the event of death, a disability or critical illness; we have access to a comprehensive portfolio of financial security planning products and services to help you address your financial security planning needs. We also have access to products specifically designed to meet the unique needs of small and large businesses.

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Life Insurance

Life insurance creates security for you and your family. It can be used to pay final expenses and debts, and provide a lump sum payment to your family.

We have access to a wide variety of life insurance options to meet your specific needs. We find the select coverage that’s right for you or your company.

The advantages of life insurance include:

  • Death benefits to named beneficiaries are almost always non taxable
  • A lump sum payment when your family needs it most
  • Probate costs can be avoided if you name a beneficiary other than your estate
  • Life insurance may offer the potential for creditor protection (1)
  • Permanent life insurance allows you to build tax advantaged cash value for retirement purposes or to provide liquid savings (2)

(1) Creditor protection depends on court decisions, which can be subject to change and can vary from each province; it can never be guaranteed. Talk to your lawyer to find out more about the potential for creditor protection.

(2) If the accumulation stays within prescribed limits, the cash value is only subject to income tax when it’s withdrawn.

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Health and Dental

If you’re not covered under a group benefits plan, we can help you access individual health and dental plans designed to cover out-of-pocket medical and dental expenses. These plans provide various levels of enhanced healthcare protection to help meet your needs at different stages of your life.

Buy Insurance By Manulife Flexcare

Buy Insurance By Manulife Association Plan

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Critical Illness Insurance

Critical illness insurance reduces financial stresses at a critical time in your life, and can compliment disability and life insurance protection needs. It offers you and your family – as well as your business – the financial resources to help pay for additional expenses often associated with a critical illness or condition.

The advantages of critical illness insurance include:

  • A lump-sum benefit that you can use however you wish
  • Coverage for up to 25 critical illnesses or conditions
  • You may receive payment even if you’re not disabled from work
  • Options are available that provide a return of premium benefit
  • Individuals unable to obtain disability insurance for various reasons can, in some cases, still qualify for critical illness coverage (eg: a non-income earning spouse)
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Disability Insurance

Disability insurance can help protect one of your most valuable assets – your income.

Your income helps you maintain current financial obligations ( e.g. mortgage payment, monthly bills, grocery purchases ) and your financial security plan ( e.g. children’s education planning and your retirement goals). What would happen to these things, like your home, if you no longer had that income stream?

We have access to disability insurance products designed to help address your needs and help protect your ability to earn an income – something that could be jeopardized if disability strikes.

The advantages of disability insurance include:

  • Protection of your ability to earn an income, current lifestyle, financial independence and your family’s long term financial security plan
  • The ability to pay fixed expenses for your business if you’re disabled
  • Facilitation of the buyout of a disabled partner’s share of the business
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