Health insurance in Canada has developed over the past 10 years to include much more than simply personal health and dental plans. Health insurance is often referred to as living benefits and refers to any type of insurance that provides coverage and protection to families and individuals concerned about their health care. Medical advances have provided amazing cures and procedures that has extended peoples lives. As a result of increased life expectancies in Canada, people are much more concerned about their health care than ever before. The problem is often available resources and funding to provide this level of care. Fortunately, there are multiple plans and programs available to provide the type of protection concerning people. Let’s get together and we’ll help you decide which health plan best meets your needs.

    • Personal health and dental plans
      • Costs for health-related services can add up quickly, whether you're filling a prescription, visiting the dentist, getting new glasses or mapping out a course of treatment for a critical illness. Health insurance helps you manage routine and unexpected costs, protecting your budget and your lifestyle.
      • A personal alternative for self employed people or employees who do not have a group benefit plan at work.

    • Critical illness insurance
      • One thing that makes critical illness insurance unique is that it was not created by an insurance company, but by a world-famous heart surgeon, Dr. Marius Barnard. He was part of the team, headed by his brother, Christian Barnard, that successfully performed the first human heart transplant.
      • Dr. Barnard was practicing medicine in South Africa, and saw that, with the changes taking place in medicine, when a critical illness struck he was able to heal his patient physically, but the financial stress that accompanied cancer, heart attack and stroke was killing his patients.
      • His thought was that critical illness protection would work similarly to a life insurance policy and pay a lump sum upon diagnosis of the critical illness. Critical illness insurance was introduced in South Africa in 1983, and is now sold in more than 60 countries around the world.
      • If you're diagnosed with a critical illness, you may face a lot of unexpected expenses. Critical Illness Insurance provides cash you can use for anything you need – including medications, equipment, travel, childcare and time off work while you recover.
      • Critical Illness Insurance pays a lump sum of $25,000, $50,000 or more directly to you by cheque or direct deposit after you survive a covered critical illness for at least 30 days.
    • Cancer insurance
      • CancerGuard is a guaranteed issue cancer insurance product that covers you for up to $150,000 in the event of a cancer diagnosis. No medical exam is required.
      • Qualifying questions help determine the amount of coverage available 
    • Fracture insurance
      • Did you know that bone fractures are the most common injuries resulting from an accident?
      • The benefit amount received will help you deal with your daily activities by assuming a portion of the unforeseen expenses, without disrupting your current family budget.

Jim Barnard

I am very dedicated to providing high quality information about our financial products and services and in turn, helping my clients achieve financial success.

I am committed to providing you with high quality advice, superior service and information you will need to make sound financial choices.