If you’re not covered for health insurance at work, or are self-employed, you may find yourself out of pocket for a variety of everyday medical expenses including prescription medications, alternative treatments, dental, and vision coverage. Your health and vitality is our priority, and we want you to feel free to seek the best care possible.

Our Health and Dental Coverage gives you the freedom to seek treatments such as chiropractic care, physiotherapy, naturopathy, and massage therapy. It also helps to pay for semi-private hospital rooms and medical equipment should the need arise.

What if the unthinkable happened? It’s not a situation anyone wants to imagine, but what if you or a loved one were diagnosed with a critical illness, one that required an immense amount of money and time in care and expenses?

We can cover up to 25 different illnesses including cancer, heart attack, and stroke. In the event of a critical illness, a lump sum is given to the insured, leaving them free to do with it what they see fit. There are no parameters on how this money should be spent; it’s truly “peace of mind” financial protection.

Your ability to earn an income is important. It means paying your bills, providing for your family, and putting food on the table. At the end of the day, it’s one of your most important assets.

If you are self-employed, or underinsured at your place of work, you’re at risk if an accident or illness renders you unable to work for a period of time. The future you envision for your family is jeopardized in such a situation. We want to help you provide for yourself and your loved ones, no matter the case. After all, we’re the family you can trust to protect yours.

Our plans may provide options over and above what employer sponsored plans offer, including:

• A broader definition of disability that will allow payments to the age of 65
• Future income options that allow you to increase your monthly disability benefit as your income increases over time
• RRSP Protection that allows you to have your contributions continued in the event of a disability
• Cost of living adjustments that keep pace with inflation
• Partial disability riders that provide benefits should a disability prevent you from returning to work full-time
• Residual disability riders that provide benefits should the individual be able to return to work after disability, but are suffering a loss of time or duties

You would do anything for the ones you love, including potentially emptying your savings to ensure their long-term care in compassionate and medically advanced facilities. But you shouldn’t have to choose between providing the best care possible and protecting your own financial future.

At Cal LeGrow, we help our members care for their loved ones in the event that they need home care, or need to be moved to a long-term care facility. Long Term Care Insurance covers both of these options, and prevents the draining of your family’s financial stores.

Who will take care of our funeral costs once we’re gone? Depending on the specifics of the service, most funerals rack up bills into the thousands.

The burden of final expenses on your family is unnecessary, and completely avoidable with appropriate Funeral Expenses Coverage. At Cal LeGrow, we know your loved ones are your top priority, and we’ve created cost-effective policies to help protect their financial freedom.

These plans include not only the costs of burial and funerals, but also assistance with final expenses associated with debts, mortgages, and taxes.

If you’re travelling outside of the country, you need to protect yourself by securing Travel Insurance. An illness or injury while abroad can happen to anyone, and could prove financially devastating, costing you thousands, or hundreds of thousands of dollars. Cal LeGrow provides emergency medical coverage up to $5 million so you can travel with peace of mind.

Your estate consists of everything you own – your car, your home, other real estate, checking and savings accounts, investments, life insurance, furniture, personal possessions and your business interests. An estate plan is a collection of documents that protects your assets and personal property and explains how you wish for them to be passed down. It documents your wishes and specifies exactly who will guard those wishes and act on them in your absence.

To be able to access these assets, your family will need an estate trustee. If you die without a Will, there is a process through court your family will need to go through to appoint an estate trustee. Creating a plan for your estate now can help your family avoid the uncertainty and legal fees associated with the court process.

While you don’t know what your future holds, we can help you make a plan so you’re always prepared. No matter the size, let us help you plan your estate, so you are ready for whatever may come your way.