Single & Family
Individual & Family Solutions
When group plan participation isn’t available, we help you build practical coverage that protects your health, income, and family—without overbuying or missing critical gaps.
Based in Halifax • Serving HRM (Halifax / Bedford / Dartmouth) + Nova Scotia (incl. Cape Breton) and Atlantic Canada
When individual coverage makes sense
Common scenarios
- Self-employed / incorporated / contractor
- Between jobs or waiting for group eligibility
- Small team where a group plan isn’t practical (yet)
- Spousal waiver / top-up coverage
- New family needs (mortgage, kids, dependents)
What we focus on
- Covering the big risks first (income + health exposure)
- Right-sizing benefits to budget (no fluff)
- Making sure coverage fits your real life (work, travel, family)
- Clear explanations and simple next steps
What we can set up (and when each one fits)
Health & Prescription Coverage
Helps with drug costs and medical expenses not covered by your provincial plan.
- Prescription drugs
- Health practitioners (e.g., physio, chiro, massage)
- Medical supplies / equipment (varies by plan)
Dental & Vision
Useful when you’re paying out-of-pocket for routine or ongoing care.
- Basic dental (exams, cleanings, fillings)
- Major dental (crowns, bridges—plan dependent)
- Vision exams / glasses (plan dependent)
Life Insurance (Term)
Designed to protect dependents and debts (mortgage, lines of credit, co-signed loans).
- Simple term coverage sized to your family’s needs
- Options for spouse / partner coverage
Disability / Income Protection
Often the most important coverage for business owners and earners.
- Protects your income if injury or illness stops you from working
- Can be tailored to your occupation and earnings
Critical Illness
A lump-sum benefit to help with time off work or major expenses after diagnosis.
- Useful as a “financial shock absorber”
- Commonly paired with disability coverage
Travel Insurance
For medical emergencies outside your home province/country, plus optional trip protections.
- Emergency medical coverage
- Trip cancellation / interruption (optional)
Already have some coverage?
We can review what you have, identify gaps, and recommend only what improves the outcome—especially if you’re coordinating coverage with a spouse’s plan.
How we quote (simple and fast)
Work status, family situation, budget range, and what you’re trying to protect.
We compare appropriate coverage types and show you tradeoffs clearly.
You get a clean recommendation + next steps to implement.
Life changes happen—coverage should keep up.
FAQs
Do I need employer coverage to qualify?
No. Individual and family plans are designed for people without access to a suitable group plan (or for those needing top-up coverage).
What do you need to provide a quote?
Typically: your age(s), province of residence, desired coverage type (health/dental/life/disability), and any budget constraints. We’ll guide you through it.
Can I coordinate with a spouse’s benefits plan?
Often yes. We’ll help you avoid duplicate coverage while closing gaps (especially drugs, dental, travel, and income protection).
Is disability coverage really that important?
For many self-employed earners, income protection can be the foundation—because your ability to earn is the asset that pays for everything else.
Ready to build the right fit?
Tell us your situation and we’ll come back with clear options and next steps.