Group / Life Insurance

PROTECT THE THINGS YOU LOVE

We Want You To Enjoy The View!

At Guild Insurance Brokers & HMS Insurance Agencies, we take a panoramic view of your entire life and business. We do this to ensure we have you properly covered. When you have the right group/life insurance, you can take the time to appreciate life’s moments and Enjoy the View!

 

Who really wants to think about life insurance?

Employee health is integral to the success of your business. Let us help you and your team. A comprehensive benefits plan can help you stay competitive, engage your employees and help them manage their health and wellness.

We have aligned ourselves with the best markets in Canada in order to provide you with the most competitive benefits pricing in the industry. We work with employee benefits from one individual to large employee groups. Feel free to contact us and we will help you get the process started. We will answer all your questions along the way to ensure a smooth and seamless transition of your existing benefits plan or start-up of your new Employee Benefits Program.

Business Insurance Needs

 

Critical Illness Insurance

Designed to provide tax-free funds to help individuals financially care for themselves and their families and maintain similar quality of life after surviving a critical illness such as cancer or heart attack.

 

Mortgage Insurance

Maintain control of your mortgage through a personally owned insurance policy.

Traditionally, prospective home buyers have turned exclusively to their banks for their mortgage needs, but you now have more options at your disposal with the growing presence of mortgage brokers. Independent mortgage brokers are licensed mortgage specialists who have access to multiple lenders and mortgage rates.

We can essentially negotiate the lowest rate for you, and because we acquire high quantities of mortgage products, we can pass volume discounts directly on to you. Lower market share and more options for you.

 

Seniors Advantage

A special guaranteed-issue plan designed for individuals aged 50 to 75 who are concerned about medicals. There are just a few qualifying questions and no medicals. This plan is ideal for paying funeral costs or leaving small bequests.

Employee health is integral to the success of your business. Let us help you and your team. A comprehensive benefits plan can help you stay competitive, engage your employees and help them manage their health and wellness.

We have aligned ourselves with the best markets in Canada in order to provide you with the most competitive benefits pricing in the industry. We work with employee benefits from one individual to large employee groups. Feel free to contact us and we will help you get the process started. We will answer all your questions along the way to ensure a smooth and seamless transition of your existing benefits plan or start-up of your new Employee Benefits Program.

Personal Insurance Needs

 

From something as simple as term life coverage to a more comprehensive financial planning program, Guild/HMS can help you identify needs, determine coverage amounts and choose the best financial vehicles. If you own or operate a business, we can tailor continuity plans, create coverage for key personnel and more. Life insurance options and financial planning tools add peace of mind and ensure financial protection for you, your heirs and your business.

 

Personal Life Insurance Plans

Protect your family with temporary or permanent protection. Non-smoker rates and premium reductions for applicants with healthy lifestyles may be available.

 

Disability Coverage: Group & Individual

What would happen if your income was lost? Disability insurance is designed to replace a portion of your income if you become disabled and are unable to earn an income. A disability can result from a number of causes, including an injury, a serious illness or a mental health issue. And the duration of a disability can be either short- or long-term.

There are different kinds of disability insurance coverage, including individual insurance plans and group insurance plans, as well as government plans such as workers’ compensation and benefits provided under the Canada Pension Plan.

We’ll show you how income can be replaced when you need it most.

Questions?

Our team of insurance professionals are always here to help find the right insurance for you. Send us an email, check out “The Blog”, or give us a call to chat with one of our professionals.