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All Ethical Products

RRSP

It is a tax advantageous strategy for high income earners who want to save taxes today and save for their retirement as well. An RRSP is a retirement savings plan that you establish, registered by Canada Revenue Agency (CRA), and to which you or your spouse or common-law partner contribute (according to the limits). Deductible […]

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Group RRSP

A Group RRSP (Registered Retirement Savings Plan) is a collection of individual RRSPs where an employer assists employees by handling their contributions through regular payroll deductions on a pre-tax basis.

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Health & Dental

Apart from the services covered by the mandatory MSP coverage, you have an option to buy your own health and dental coverage from a private insurance provider. With the help of our advisors, you can choose a plan that supplements your present MSP coverage. When you apply for Health & Dental, you get a quote […]

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Group Health & Dental

Helps employees and their dependents pay for necessary medical expenses that aren’t covered by their provincial plan.

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RESP

The Purpose of an RESP is to save for the post secondary education. The plan is registered with Canada Revenue Agency (CRA) and the money contributed by the subscriber (owner of the plan) potentially attracts government grants. The money accumulated is invested and grows tax-free. Call or Email our office for information on how much […]

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Group Disability

Group Disability Insurance helps to protect the members of the group from the loss of income if they become sick or injured. It is most commonly provided by the employers to their employees.

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Disability

This coverage provides a monthly benefit (income) if due to accident/sickness you are not able to return back to work. Our professional advisor can help you understand how much you can receive and the cost for you, and discuss the coverage in detail.

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Group Critical Illness

Group Critical Illness Insurance coverage provides a lump sum payment, to  members of the group with a serious illness, such as heart attack, stroke or cancer.

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Life Insurance

Provides a Tax free Lump Sum payment to the beneficiary upon the death of the person who is insured. Our Ethical professional can help you determine which kind of insurance is required, how much insurance is needed and how much it will cost to you.

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Group Life

Provides the members of the group with a lump sum payment to the beneficiary, in case of death of the group member.

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Open Investments

It is a non-registered account that allows to save money for the long term. These are tax efficient account that invest in equity portfolios, And unlike RRSPs, non-registered accounts have no contribution limits.  learn more (link to blog) update in blog page as well

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