Individual and Family
Life Insurance & Critical Illness Insurance

Douglas Breard has been a Insurance Agent for 12 years working with many Insurance Companies with the ability to compare polices and provide you with the best suited insurance product and monthly premium to fit your families budget.

Life and Critical Insurance solutions to provide the financial security your family needs, no matter what life brings your way.
Protects your family’s finances in case of unexpected death and keeps you in control of your finances. Protects your loved ones from tax surprises upon your death and divides your estate the way you want. Preserve your quality of life in the event of an illness or disability,
Helps you make the right choices for your children’s future and provides for your family’s healthcare needs.

 Life Insurance options;
Term 10, Term 20, Term 30, Term to age 65 and Term to age 100
Whole Life Guaranteed, 10yr Pay, 15yr Pay, 20yr Pay, Pay to age 65, Pay to age 100

Critical Insurance options;
Term 10, Term 20, Term to age 65 and Term to age 75
10yr Pay, 20yr Pay, Pay to age 100,

 Child 20 Pay, 29 critical illnesses and surgeries are covered, including 3 childhood diseases, and over 15 less severe diagnostics and treatments which allow a paid advance on the amount of insurance. A refund of premiums to the client at the end of the policy (ROP). Clients and their families have access to a wide-range of complimentary assistance services at all times, including a second opinion on their diagnostic and treatment plan (by Best Doctors®) as well as the organization of services in case of convalescence (recovery time by Assistel).

SOLO Disability Income offers a monthly benefit to replace your client’s income or salary in the event of a disability. Designed for self-employed workers, business owners, salaried workers with/without group insurance.

Independent Living is a long-term care insurance that guarantees the payment of a monthly benefit: If the insured becomes unable to perform 2 of the following 6 activities of daily living without the help of another person: bathing, dressing, toileting, transferring, continence, eatingour paragraph here.