Individual Insurance Plans
Insurance isn’t just a product - it’s a contractual promise. One of the most important ways to protect your family or business is by using an individual insurance policy.
Whether it’s protecting your families financial future or key person in your business insurance plans work by providing your beneficiaries with a tax-free benefit upon your death. This money can help them:
- Pay off loans and debts
- Maintain their lifestyle and pay day-to-day expenses
- Pay for your children's education
- Cover expenses like funeral costs
- Replace a key employee
- Provide business loan protection
- Funding the capital gains tax
Our promise is to keep with our core values, which allows us to go deeper with our clients so we can properly identify your insurance needs and make informed solutions that provide comfort and security. We cut no corners in order to determine the most applicable insurance options in the areas of:
Our individual insurance plans offer:
- Personal life and key person insurance
- Critical illness insurance
- Long term care
- Disability insurance
- Post-retirement health and dental
- Emergency travel insurance
Ready to apply?
Submit a request for a quote below or email quotes@mitchellsandham.com for more information.
Request a quote
Life insurance
How it works
Pays a tax-free, lump-sum amount to your named beneficiaries upon your death
Benefits to you
Ensures your named beneficiaries can pay off your debts and maintain their standard of living after you die
Disability insurance
How it works
Provides a monthly payment that replaces part of your lost income if you’re unable to work because of illness or injury
Benefits to you
Allows you to maintain your standard of living if you are disabled and unable to work
Critical illness insurance
How it works
Pays a lump-sum amount on the first diagnosis of a serious medical condition (e.g. Cancer, heart attack) covered by your policy
Benefits to you
Allows you to cover additional costs associated with an illness, or use the payment for any other purpose during or after recovery
Long-term care insurance
How it works
Provides cash payments if you require care in your home or in a private or government facility
Benefits to you
Allows you to cover some or all of the costs of long-term care instead of using your savings
Health insurance
How it works
Covers a portion of health care costs not covered by your provincial health insurance
Benefits to you
Gives you and your family affordable access to the health care you may need – at home or out-of-country
