"Only when the tide goes out do you discover who's been swimming naked."

Warren Buffet

Business Risk Professionals


Can you afford to let everything slip through your fingers?

Many business owners don’t even know they have a problem with business planning. Do you? Understanding the issues can mean financial health for you, your business and your family. Click here to learn more.


Are your investments protected from creditors?

Legislation exists at both the federal and provincial level to protect your investments from creditors. Some offer strong protection, while others provide protection with conditions or limitations. Click here to learn more.


The Proguard Series

Designed for executives and professionals, Proguard Series is one of the most comprehensive income replacement protection plans available. Featuring unique and flexible benefits, you can customize a plan to meet your specific needs. Plus, built-in automatic coverage enhancements help ensure your coverage keeps pace with your income growth.

Proguard Series is ideal for:

  • Comprehensive income replacement for the changing needs of executives and professionals
  • Topping-up employer provided long-term disability benefits
  • Protecting employees through an Income Loss Replacement Plan
  • Future insurance planning – exchange your coverage for a long term care insurance plan when the time is right (Future Care Option)

For more information on this product, please click here or contact us.


Proguard Series is offered through Manulife Financial (The Manufacturers Life Insurance Company).


Business Structures

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Sole Proprietorship:

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