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Combined Insurance Products

Products combining Life Insurance, Critical Illness Insurance, and Disability Insurance into one comprehensive policy

All-in one plans combine multiple coverages into one policy, providing cost-effective coverage of many needs. Often simplified applications and underwriting rules apply, making qualification easy.

Some of our suppliers:

Assumption Life; Flex Options and Flex Term Policies offer the practicality of term Life Insurance and disability Insurance, under one policy. Disability benefits can be based on EITHER your income, or your mortgage payment.

IA Excellence; Universal Loan Insurance is a Unique and Comprehensive creditor insurance solution that offers a single contract to cover all your loans. It offers disability insurance, life insurance, and critical illness insurance in one policy.  It allows from $300 to $3,000/month of disability benefit, and up to 125% of the loan’s face amount in life or critical illness insurance.

Manulife Financial; CoverMe is the tradename for Manulife’s directly marketed offerings of healthcare, dental care, life insurance, and critical illness coverage. In the brokerage market, we can also offer these coverages directly as Flexcare, FollowMe, and Lifecheque Basic. The life insurance coverage can be obtained through other alternatives to their guaranteed issue product, typically at lower cost. Please check out options here.

Synergy is unique product offering combining Life Insurance, Critical Illness, and Disability Insurance within one product. Do you have a mortgage? Normal Debt load? Perhaps a family? And the need to protect your income? Then Synergy is designed for you.


Considering Life Insurance? (Canadian residents only) Besides offering the widest selection of travel insurance in Canada at the best possible rates, is also affiliated with DesLaurier Financial Services (our parent company) which extends the same philosophy to Life Insurance and other Insurance products including Critical Illness and Disability Insurance). Please take a look at some of the excellent rates we offer here:

Instant Life Insurance Quote

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