What it covers
- Term and permanent life insurance
- Group life and accidental death & dismemberment
- Group health and dental plans
- Short- and long-term disability
- Employee assistance programs
Who it's for
- Families protecting income and mortgages
- Business owners, including key person cover
- Small and mid-size employers
- Associations and member groups
Good to know
Term life
Affordable cover for a set period, such as while children are young or a mortgage is outstanding.
Permanent life
Lifelong cover that can also build cash value.
Group benefits
Plans shared across a workforce, often with simpler underwriting.
Usually not covered
- Misstatements on the application
- Some pre-existing conditions, depending on the plan
- Death by suicide within the first two years, in most policies
- Hazardous activities not declared
Related cover
Many clients combine policies so there are no gaps between them.
Every policy has its own terms, limits and exclusions, set by the insurer. We explain them in plain language before you buy.
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