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Products and Services: Insurance
Life Insurance

Life Insurance is a method of purchasing money to be used at a later date when it is most needed (for example funerals, pay off mortgage, income replacement).

We offer high quality, competitively priced life insurance products, including permanent, term, combination and variable policies.

Life insurance policies are designed with different needs in mind. Whether you are looking for temporary protection, estate planning, or cash accumulation, we have a policy that will provide security and peace of mind.

Disability Insurance

We offer high quality, competitively priced Disability Insurance products covering total or partial disability of professionals, business executives, small business owners and others.

Disability Insurance protects your most valuable asset, your ability to earn an income. A long-term disability could suspend or terminate your income for an extended period of time. It may force you to close your business. Highfield Group offers a breadth of Disability Insurance products to provide a source of income in the event of a disability.

This is a plan which replaces INCOME lost due to a sickness or disability. There are various periods to when the income benefit could start and also choices to determine on how long the benefit can be paid while one is disabled. The product and cost are affected by different OCCUPATIONS, some being with more use than others.

Riders Available:
Cost of Living: Allows for the monthly income benefit to increase each year by the Consumer Price Index which can be significant in a long term disability.
Return of Premium: Allows for 50% or more of your premiums returned to you after 10 years if you have not made a claim by being disabled. This rider also refunds the same % every 8 years after you have completed the initial 10 year period.
Future Purchase Option: Allows you to purchase additional income benefit in the future regardless of your health as long as your income can justify the increase.
Own Occupation: Allows you to be considered disabled if you cannot perform the main duties of your occupation even if you perform another occupation.
Critical Illness Insurance

We offer high quality, competitively priced Critical Illness Insurance products.

  • Insurance that provides money while you are alive.
  • Very flexible if you become critically ill because there are not requirements for how you spend the lump-sum benefit that you receive.
  • The lump-sum benefit payment can be used to try alternative therapies, to be treated outside the country, to hire someone to take care of you of to hire a Nanny to take care of you children
  • Benefit is payable, usually, 30 days after the diagnosis of a critical illness
  • Some of the conditions covered are as follows:
    • Alzheimer’s Disease
    • Aplastic Anemia
    • Aortic Surgery
    • Bacterial Menengitis
    • Benign Brain Tumour
    • Blindness
    • Coma
    • Coronary Artery Bypass
    • Deafness
    • Heart Attack
    • Heart Valve Replacement
    • Life Threatening Cancer
    • Kidney Failure
    • Loss of Independent Existence
    • Loss of Limbs
    • Loss of Speech
    • Major Organ Transplant
    • Motor Neuron Disease
    • Multiple Sclerosis
    • Occupational HIV Infection
    • Paralysis
    • Parkinson’s Disease
    • Severe Burns
    • Stroke
  • There are a number of riders which can be added making the product more flexible and valuable.
Travel Insurance

For GMS TravelStar®

For Manulife Financial Travel Insurance (MFTI)

Long Term Care Insurance

Long-term care insurance provides benefits in the event of a long-term illness or injury. Owning a long-term care insurance policy also provides you choices in deciding where or how you receive care. It helps pay for benefits for care that is delivered in your home, in the community, in adult day care centers,** in alternate living facilities** or in nursing facilities.

Highfield Financial Group
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