Other Services

We Offer Various Insurance Plans

Reviewed by Swinder Singh, Licensed Life Insurance and Accident & Sickness Insurance Advisor in Ontario (FSRA licence #08105406), SSJ Financial. Last content review: October 11, 2026.

Disability Insurance – protects your income if an injury or illness stops you from working. It pays a monthly income while you are unable to work. This coverage matters most for self-employed people and anyone who does not have disability insurance through an employer.

Personal Health Insurance – helps with day-to-day costs such as prescription drugs, dental care, vision care and hospital stays. It covers many health services that provincial plans do not pay for. Plans can be built around your drug, dental and extra health needs, such as vision care, chiropractic care or emergency travel medical.

Registered Retirement Savings Plan – An RRSP is a retirement savings plan that you set up and that you, your spouse or your common-law partner contribute to. Income earned inside the RRSP is usually not taxed while it stays in the plan; you generally pay tax when you take money out. You open an RRSP through a financial institution such as a bank, credit union, trust or insurance company. We can explain the types of RRSP and the investments they can hold.

Registered Education Savings Plan – An RESP helps parents save for a child’s post-secondary education. The government adds grants, and the savings grow tax-deferred until they are withdrawn. You can contribute up to $50,000 per child. When the student takes the grants and earnings out for school, that money is taxed in the student’s hands, usually at a low rate.

Long-Term Care – protects your retirement plans and gives you choice and control over the care you receive. Care can be provided at home, through adult day care, in a retirement home, in assisted living or in a long-term care facility.

Tax-Free Savings Account – The TFSA began in 2009. It lets anyone aged 18 or older with a valid social insurance number (SIN) set money aside tax-free throughout their life. Contributions are not deductible for income tax purposes. Money you put in, and any income earned in the account such as investment income and capital gains, is generally tax-free, even when you take it out. Fees for a TFSA, and interest on money borrowed to contribute to one, are not tax-deductible.

Do you have questions? Give me a call 416-825-3091