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You only have one life - don’t leave things to chance

A solution that brings peace-of-mind

​Ensure what matters is insured for the future

​A properly constructed insurance plan can mean the difference between leaving your family financially secure or with unwanted debt that can last for years.

How can we help you today?

​Talk to one of our experts to find the best solutions for your short and long-term needs at every stage of life.

Term Life Insurance

Get simple and affordable options for your family

Permanent Life Insurance

Solutions for lifetime coverage with fixed premiums


Universal Life Insurance

Options for permanent insurance with tax-deferred savings

Read more below


Term Life insurance

Simple and affordable solutions

Get coverage to protect your family, whether you have debts, want to cover your child’s education or replace lost income.

Term Life features :

 Choice of solutions to fit your needs and budget

 Less expensive premiums than permanent life insurance

 Premiums that increase upon renewal

 Coverage with an expiry date to cover temporary needs


Permanent Life insurance

Comprehensive coverage for long-term needs

Choose coverage to protect your family, from topping up retirement income to protecting your estate from taxes.

Permanent Life features :

 Lifetime coverage

 Security of fixed premiums 

 Premiums that can build equity

 Solutions for long-term needs like retirement planning 


Universal Life insurance

Permanent protection with tax-deferred savings options

Get Universal Life options for your permanent insurance needs, such as estate and retirement planning, with options for tax-deferred savings.

Universal Life features :

 Flexible options for a variety of permanent insurance needs

 Different premium levels

 Choices of various death benefit options, investment accounts and premium levels



When should you fine tune your insurance protection?

Major life events bring changes that often call for a review of your financial plan.

​Make an appointment with an advisor



Chat Online

Chat online with an insurance representative to assess your needs and help you save


Visit an insurance location

Visit us at one of our 16 island insurance locations to assess your needs and help you save


Talk with us

Book a phone appointment with an insurance representative to assess your needs and help you save

*Home, vehicle, marine and travel insurance services provided through Coastal Community Insurance Services (2007) Ltd.
** Life, Health disability and critical illness insurance services offered through Coastal Community Financial Management Inc.