Term life insurance
Coverage for a chosen period. It may help protect family income, a mortgage or other obligations if the insured person dies during the term.
INDIVIDUAL INSURANCE
Protection for what matters most.
Clear guidance when you are looking after yourself and the people who depend on you.
PERSONAL PROTECTION
Coverage for the life you are living.
Life changes. Your protection should make sense for your family, income and goals today.
We help you understand what each type of insurance is designed to do, compare actual policy terms and decide what questions matter for your situation.
Whole life insurance
Permanent life coverage with policy features that can include cash value. Costs and features vary, so the full illustration and contract matter.
Critical illness insurance
May pay a lump sum if a covered condition meets the policy definition and any survival or waiting period requirements.
Disability insurance
May replace a portion of income if an illness or injury prevents you from working, subject to the policy’s definition of disability and other limits.
OUR APPROACH
Advice that starts with your life.
- Tell us what mattersWe start with your family, income, debts and existing coverage.
- Compare optionsWe look at the types and amounts of protection that may fit.
- Read the detailsWe explain important definitions, exclusions and costs.
- Apply with supportWe help you through the application and questions that follow.
HEALTH & DENTAL
Explore current Ecotone plans.
The Industry Plan
Health and dental options for people without employer benefits. Explore the current plan while One by Ecotone takes shape.
Visit The Industry PlanThe Legacy Plan
Health and dental coverage designed around retirement and life after work.
Visit The Legacy PlanOne by Ecotone
The next chapter for both plans is coming soon.
Explore OneQUESTIONS TO ASK
Make the details clearer.
When comparing a policy, ask about eligibility, benefit amounts, waiting periods, exclusions, renewals and how claims are made. The full policy wording controls coverage.
For general consumer information, see the Financial Consumer Agency of Canada’s health insurance guide.
LET'S TALK
Talk through your options.
Share what you want to protect and we will help you identify useful questions and possible next steps.