Protect your business 

As a business owner, it's important to consider how you can protect your business. I’ve got the solutions that can help keep your business running smoothly if anything happens to you or your partners. 


Help your employees build more secure financial futures 

Benefits and retirement savings plans can help you attract and retain employees and give them resources to help improve their physical, financial and mental wellbeing. I can help you determine what kind of plan will work for your employees and your business. 

Term life insurance – Canada Life

Simple and affordable coverage for big expenses, so you’re protected when it matters most.


View the video transcript


Narrator: We all have someone or something worth protecting.

Description: Amira stands outside with her husband and daughter.

Narrator: A family, a home, a business.

Description: Three graphics enter frame illustrating a family of three, single-story home and small business.

Narrator: At Canada Life, we offer term life insurance for 10, 20 or 30 years or until you turn 65.

Description: Cut to bar graph displaying age from 25 to 65. A bar for “Term 10” appears to show coverage from age 25 to 35. Bars for “Term 20” from age 25 to 45, “Term 30” from 25 to 55 and “Term 65” from 25 to 65 follow.

Narrator: An advisor can help you choose the timeframe that works for you.

Description: Amira’s hand enters frame and chooses “Term 10.”

Narrator: Figure out how much insurance you need.

Description: An outline of a circle appears to show the coverage amount. The amount increases to $650,000 as the circle fills in.

Narrator: And set up monthly or annual payments.

Description: Cut to two buttons labelled “Monthly” and “Annual.” Amira’s hand enters frame and chooses “Monthly.”

Narrator: Either way, your payments will stay the same over the entire coverage term for easy budgeting.*

Description: Cut to Amira outside, sitting on the porch of her home, looking at her phone. She receives a notification from her phone that her insurance payment has been made. A legal line appears: *Payments stay the same as long as you make required insurance payments.

Narrator: If the unexpected happens, term insurance can be used to pay debts,

Description: Cut to Amira’s hand passing an envelope to her husband.

Narrator: like a mortgage.

Description: A graphic enters the frame illustrating the cost of a single-story home.

Narrator: It can cover final expenses or help fund a child’s education.

Description: Two more graphics follow, illustrating a bill for final expenses and stack of books for child’s education.

Narrator: It can even help keep a business running.

Description: One last graphic is added to illustrate a small business.

Narrator: If your needs change, you can renew or extend your existing term coverage.

Description: Cut back to bar graph displaying age. A bar for “Term 10” returns, showing coverage from age 25 to 35. “Term 20” is added to extend coverage to age 55.

Narrator: or convert it to a permanent insurance policy.

Description: The bar transforms to “Permanent,” showing coverage from age 25 to 65.

Narrator: Term life insurance helps you protect what matters most today.

Description: Amira plays with her daughter in their living room, while her husband reads a book.

Narrator: Don’t have an advisor? We can help at

Description: Text “Don’t have an advisor? We can help at” appears with Canada Life logo and legal line: Canada Life and design are trademarks of The Canada Life Assurance Company. 1-888-252-1847

Critical illness insurance – Canada Life

Critical illness insurance can provide the coverage you need, when you need it most.


View the video transcript


Description: Emily stands in her kitchen, talking on the phone with a friend.

Narrator: Critical illness insurance provides coverage when it counts.

Description: She quickly hangs up the phone, feeling a pain in her chest.

Narrator: If you’re ever diagnosed with a life-threatening illness covered by your policy.

Description: Cut to Emily in a hospital bed. A doctor stands beside the bed holding a clipboard.

Narrator: Critical illness insurance can help you focus on you and your family.

Description: Cut to her at home, lying on the couch, covered in a blanket. Her son sits on the end of the couch while her husband brings a tea.

Narrator: It’s a one-time tax-free payment you can use however you want.

Description: Her hands enter the frame. She opens a letter to reveal a cheque from Canada Life.

Narrator: And that includes covering costs your healthcare plan doesn’t.

Description: A shield is drawn around a plus sign, representing healthcare.

Narrator: It’s money to help.

Description: Cut to Emily holding her phone.

Narrator: Pay the bills.

Description: She uses online banking to make a bill payment.

Narrator: Protect your retirement savings.

Description: Cut to Emily and her husband smiling, vacationing on the beach.

Narrator: And cover expensive drugs or alternate treatments.

Description: Cut to her in the kitchen, holding a pill bottle and receipt.

Narrator: It can also give you access to expert medical help.

Description: She sits at her desk with her laptop open, video conferencing with a specialist.

Narrator: And if you never need to make a claim.

Description: A shield is drawn to represent optional coverage.

Narrator: With the optional return-of-premium* benefit, you could get back some, or all of the money you paid for your coverage.

Description: A pile of money appears and becomes larger when "all of the money…” is mentioned. Legal line appears: *The Canada Revenue Agency (CRA) and Revenue Quebec have not provided a formal ruling regarding the tax treatment of return-of-premium benefits that are included in a critical illness policy. The tax treatment of an optional return-of-premium benefit is, therefore, subject to interpretation.

Narrator: Get the coverage you need, when it counts the most.

Description: Cut to Emily and her family sitting on the couch relaxing and drinking tea.

Narrator: Visit to learn more.

Description: Text “Visit to learn more.” appears with Canada Life logo and legal lines: Canada Life and design are trademarks of The Canada Life Assurance Company. 1-888-252-1847.

Insurance as adaptable as you are

Universal life insurance combines the benefits of a lifetime insurance policy with a tax-advantaged investment component that you select and manage based on your objectives. It also offers the added convenience and flexibility of adjustable premium and payment schedules. 

Affordable coverage when you need it 

Term life insurance helps you meet short-term protection needs over a set period of time. It’s ideal if you’re looking for a cost-efficient way to cover large debt for a specific term – for example, a mortgage. 

Protection for life  

Permanent life insurance provides guaranteed, lifelong coverage that protects the people you care about. It offers cash values that can grow over time to either increase the value of your death benefit or help pay for future goals like an education fund, starting a new business or supplementing your retirement income. There are two types of permanent life insurance: participating life insurance and universal life insurance.  

Keeping you and your loved ones healthy, year-round 

As Canadians, we’re fortunate to have public healthcare coverage – but that doesn’t mean your provincial healthcare plan provides all the coverage you need. Health and dental insurance can help pay for prescription drugs, dental, hospital, vision, paramedical and ambulance services. Coverage is similar to a group benefits plan that an employer may offer and is a great option if you’re retiring, self-employed or not eligible for group benefits. 

Protect your paycheque 

Disability insurance works when you can’t. It can give you tax-free monthly income to help pay expenses if an illness or accident stops you from working. Not all disabilities are so easily recognized. Chronic pain or a mental health issue can also qualify as a disability. 

Coverage when it counts

Critical illness insurance allows you to focus on your recovery knowing you have the money to help with your expenses if you're diagnosed with a serious illness. You’ll get a one-time, tax-free payment you can use for whatever you need. Through your coverage, you can also connect with healthcare specialists. 

Mike Collombin

Investment Representative

Over 30 years of experience providing insurance planning strategies to families and business owners. License of operations are Alberta, British Columbia, Ontario. Off hours, I can be found water skiing, alpine skiing, mountain biking and golf on a slow day. I look forward to working with you.

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