Protect your future with expert-led insurance strategies tailored to your financial goals.
What Is Insurance Planning?
Insurance planning is a key pillar of comprehensive wealth management. At Tetrault Wealth, we incorporate insurance strategies into your broader financial plan to ensure you, and your loved ones are protected, no matter what life throws your way.
Insurance provides a financial safety net in the event of illness, disability, or death. With the right coverage in place, you can protect your income, safeguard your family’s lifestyle, and preserve your long-term wealth strategy.
Why Insurance Planning Matters More Than Ever
Today’s low premium environment makes life and health insurance more accessible – but also more selective. As insurers tighten underwriting standards, securing coverage early (while you’re healthy) has never been more critical.
Proper insurance planning is proactive, not reactive. It ensures that risks are covered before they can impact your savings, business, or retirement.
Types of Insurance Solutions We Offer
Life Insurance
Life insurance ensures that your family’s financial future is protected if you are no longer around to provide for them. We help you choose the right type of life insurance based on your needs, stage of life, and long-term goals.
Affordable and flexible protection for a specific period of time – ideal for young families or covering temporary debts like a mortgage.
Permanent protection with guaranteed cash value that grows over time. A reliable asset with long-term benefits and estate planning value.
A flexible insurance and investment hybrid. Provides lifelong coverage with the added benefit of tax-advantaged investment growth within the policy.
Tailored coverage for entrepreneurs and business owners who lack employer-sponsored benefits. This option helps protect your business and your family’s income with scalable life and disability coverage.
Health and Medical Insurance
Healthcare costs can take a toll on your savings if you’re not properly covered. We help clients choose private insurance solutions that complement or extend beyond provincial health care coverage.
A customizable plan for individuals and families seeking extended health care coverage. These plans can cover prescription drugs, paramedical services, vision care, and more.
Protects against out-of-pocket expenses not covered by government plans. Options range from basic to comprehensive plans that include dental cleanings, fillings, vision, massage therapy, and more.
Covers emergency medical care while traveling outside your home province or country. Essential for snowbirds, retirees, and frequent travelers.
Income Protection and Critical Illness
Ensures a portion of your income continues if you become unable to work due to illness or injury. This is particularly important for self-employed professionals.
Provides a lump-sum payment upon diagnosis of a serious illness like cancer, stroke, or heart disease. Gives you financial flexibility during recovery.
An affordable bundled option combining life, disability, and critical illness insurance—ideal for young professionals or those looking for efficient, simplified protection.
Helps cover the cost of long-term care services such as in-home support or nursing home expenses, allowing you to protect your investment portfolio and retirement income from being depleted by care costs.
Why Choose Tetrault Wealth?
At Tetrault Wealth, we don’t sell insurance, we integrate it into your total wealth strategy. As Portfolio Managers, we assess your risk exposures and build custom insurance solutions that complement your financial, retirement, and estate planning goals.
Whether you’re looking to protect your family, safeguard your business, or secure your future health needs, our team will help you make smart, forward-thinking decisions.
