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  • Choosing the Right
    Term Insurance
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    What type of insurance is best for you? The choices in life insurance policies are bewildering. We can help you know to compare policies and decide on the right level of cover to protect your family and business.
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An important way to help protect your family

If you have a family, life insurance is one of the simplest and most important ways you can help protect their financial future. Life insurance works by providing your beneficiaries with a tax-free benefit upon your death.

Types of Life Insurance

Term Life

Term Life insurance is the most reasonable, because the premiums are set for a specific number of years - 10 to 40 years or to age 65,
etc. It is very flexible, and additional features (riders) can be added to the policy. Term insurance is best used for a temporary need.

Whole Life

Whole life insurance provides permanent protection that builds cash value over a period of time. This cash value can be used to purchase additional insurance. This would be used when insurance coverage is needed in increasing amounts over the years.

Universal Life

Universal life provides permanent lifetime protection with tax-advantaged investment growth inside the policy which adds to the death
benefit of the policy, or can also be used to pay future premiums. Universal life insurance is an excellent tool for passing wealth to the next generation with minimal tax implications within the CRA guidelines.

**The best approach to buying life insurance is buying combining whole and term life. TeamDastur will provide the best solution for one's

Types of Living Benefit Insurance

Critical Illness

Critical illness insurance pays out a one-time, 100% tax free lump sum benefit if you are diagnosed with an illness that is
covered under the policy. Standardization of illnesses covered across the industry covers approximately 25 different illnesses and a few
additional infections.


Disability insurance provides a monthly benefit in case you are unable to go to work due to an injury or illness.
This is the type of insurance where there would most likely be a claim.

**Having some Critical Illness and Disability coverage is an important part of the financial plan. Working hard to accumulate wealth should also take into consideration protecting what you have accumulated to date.

Long Term Care

Long Term Care insurance pays a monthly benefit in a situation where you are no longer able to look after yourself without assistance.