Products and services | Moments of Truth Insurance Services Corp. | Sun Life

Would You Be Okay in a Moment of Truth?

Everyone has financial “moments of truth” when they ask themselves, “Will I be okay?” Making it easier for you to answer an emphatic “yes”, is my crusade.

Being okay in a personal financial moment of truth is knowing that:

All bills are paid and your family supported if you suffer a serious illness, injury, life-altering condition or die unexpectedly. A health crisis does not have to become an emotional and financial catastrophe.
The family can keep the cottage, your full RRSP or RRIF and investments because you’ve eliminated your “silent profit partner”.
You can spend your entire retirement nest-egg guilt-free and still leave a meaningful legacy.

Being okay in a business financial moment of truth is knowing that:

You can get more of your business profits tax-free.
You can keep your business running if you experience a health disaster.
Your business debts will be cancelled if you are disabled or die.
You’ve protected your business from the loss of key employees.
You automatically get full ownership of your business if a partner dies.
You’ve left family harmony among family business beneficiaries.

*Comprehensive financial strategies, health and retirement benefits are also available for our Clients.

Services

Business protection & planning

A business plan should adapt as your business moves through its stages. Let’s protect your hard work.

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Family & legacy planning

Leaving a legacy for your family is something that’s important to many people. Let’s create a plan that helps you feel confident in the legacy you leave behind.

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Life and health insurance

Protect what matters most to you so can feel prepared no matter what life throws your way.

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Business owners

Spend more time running your business and less time worrying about your business. A strong strategy can get you there.

Business owner insurance

Whether you’re starting out or looking for ways to grow your business, business owner insurance can help you protect yourself, your partners and employees and your family.

Business Savings

The needs of small businesses are as unique as the people running them. That’s why we’ve created a variety of savings plans with the features that matter most to businesses.

RRSPs for Business Owners

Your business may produce surplus above what is needed for your business or personal lifestyle. You can either retain in the corporation or remove and invest personally. Maximizing your RRSPs makes sense for most business owners given a sufficient time horizon.

TFSAs for Business Owners

Your corporation may produce surplus above what is needed for your business or personal lifestyle. If you want to save the surplus for future use TFSA’s may be a good solution, depending on your time horizon and current and future tax brackets.

Health insurance products

Health insurance gives you financial coverage to help pay for health-care needs. This insurance goes above and beyond Canadian health-care coverage.

Personal and family health insurance

A policy or contract that gives you, the insured person, financial coverage to help pay for health-care needs. Depending on your policy, the insurance company pays for your covered health-care expenses. You pay the insurance company a monthly premium or fee.

Disability Insurance

Disability insurance (DI) is a type of health insurance. It helps protect you financially by replacing a portion of your income. You receive a benefit if you’re ever diagnosed with a covered medical illness, mental health issue, or injury that prevents you from working.

Critical illness insurance

Critical illness insurance (CII) is a type of health insurance. CII coverage can help Canadians or those living in Canada pay the additional costs associated with life-altering illnesses like cancer, stroke, heart attack and dementia.

Travel insurance

Whether you’re headed outside your home province or to the other side of the world, traveling can be stressful.
Travel insurance can help protect you from the difficulties that come from unexpected medical expenses

Dental insurance

Dental insurance, included in a personal health insurance plan from Sun Life, can help you manage dental costs including cleanings, braces, crowns and more.

Long term care insurance

Long term care insurance from Sun Life provides an income-style benefit if you become unable to care for yourself due to aging, a serious accident, severe illness or deteriorated mental abilities.

Life insurance products

Life insurance allows you to protect the people you love by providing your beneficiaries a tax-free cash payment when you die.

Whole life insurance

A type of permanent life insurance that gives your beneficiaries a tax-free payment after you die (called a death benefit). Your beneficiaries can use the money from the death benefit any way they want.
While some life insurance plans offer coverage for a specific amount of time, whole life insurance has no time limit because it covers you throughout your life. So you don’t have to worry about your coverage expiring or renewing your policy.

Participating life insurance

Participating life insurance (also called par insurance) is a contract that offers three important features: lifetime insurance, cash-value growth and a chance to earn policy dividends.

Term life insurance

An affordable life insurance policy that gives you financial protection for a certain period of time. If you die while your policy is still active, then your beneficiaries receive a lump-sum, tax-free payment (called the death benefit). They can use this money any way they please.

Permanent Life Insurance

A type of life insurance policy that provides you with lifelong coverage to protect your loved ones. This coverage never expires, no matter your age or if your health changes. Permanent life insurance provides a death benefit, which is a tax-free payment your beneficiaries will get after you die.

Universal life insurance

The most flexible types of permanent life insurance for Canadian residents.
It offers key financial planning features such as lifelong protection that never expires and opportunities for tax-preferred savings growth.

Have questions?

Here to help answer your questions, provide clarity about products and get you started on the road to achieving your goals.

We are contracted with Sun Life Financial Distributors (Canada) Inc., a member of the Sun Life group of companies. Mutual funds distributed by Sun Life Financial Investment Services (Canada) Inc.