Insurance You Can Trust
Together, we’ll ensure you’re prepared for all of life’s challenges.
Insurance solutions tailored for you.
Clear guidance, transparent costs, and plans that adapt as your life changes.
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Disability & Critical Illness
- Income replacement during illness
- Tax-free lump-sum
- Financial flexibility during recovery
What sets us apart
1
We Design
We map your goals, budget, timelines, and any existing coverage.
2
We Compare
We compare carriers and craft clear options you can trust.
3
We Implement
Fast applications and annual reviews.
Why Family First?
We’re independent, planning-led advisors. That means our recommendations start with your goals. You’ll receive transparent and complementary guidance in the language of your choice, English or French with a strategy designed to balance protection and growth as your life evolves.
We work with many of the most trusted insurance providers and investment firms in Canada, so you can compare options side-by-side and choose with confidence.
- Independent advice across multiple top-rated carriers
- Transparent quotes and options explained simply
- Custom plans for families, professionals, and business owners
- Annual policy checkups to keep coverage on track
Frequently asked questions
Are disability benefits taxable?
Yes, benefits are taxable if your employer pays the premiums. If you fund the policy yourself, benefits are generally received tax-free.
Can this policy be used for estate planning?
Absolutely. Life insurance can help minimize estate taxes and ensure a smooth transfer of wealth to your beneficiaries, preserving your legacy.
What happens if I stop paying premiums?
If premium payments cease, the policy’s cash value may cover the costs. However, extended non-payment can reduce the death benefit and affect your overall coverage.
What happens when a term policy ends?
At the end of the term, you can choose to renew, convert to permanent insurance, or allow the policy to lapse.
Who should consider term life insurance?
Term life insurance is ideal for those seeking straightforward, affordable coverage, such as replacing lost income or protecting a mortgage.
Is a medical exam required?
Some policies require a medical exam, but there are also options that do not.
Can I convert my term life policy to permanent insurance?
Yes. Many term policies allow conversion to permanent coverage without a medical exam, preserving insurability.
Who benefits from critical illness insurance?
This coverage is particularly useful for individuals with a family history of serious illnesses or anyone wanting financial protection in the event of a critical health issue.
Which conditions are typically covered?
Most policies cover major illnesses such as heart attacks, strokes, cancer, and organ failure. Contact us for details on specific coverage.
Can I get coverage with a pre-existing condition?
It depends on the policy. Some may have waiting periods or exclusions for pre-existing conditions. We can review your individual situation and recommend suitable options.