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Protect what matters.
Plan what’s next.

Independent risk management, insurance, and investment solutions tailored for your peace of mind.

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ACCESS TO CANADA’S LEADING INSURANCE COMPANIES

How We Work Together

Tailored financial and protection planning for individuals, families, businesses, and healthcare professionals.

📈 Planning & Investment

Build and grow your wealth with tax-advantaged solutions.

TFSA (Tax-Free Savings Account)

Grow your savings and investments tax-free. Withdraw funds at any time without tax penalties, ideal for short-term and long-term financial goals.

RRSP (Registered Retirement Savings Plan)

Reduce your taxable income today while building a secure retirement nest egg for tomorrow. Contributions are tax-deductible.

Annuities

Convert your capital into a guaranteed stream of income for life or a specified period, ensuring worry-free income throughout retirement.

🛡️ Protection & Insurance

Safeguard your family and business against life’s uncertainties.

Individual & Family Insurance

Comprehensive personal protection including:

Health & Dental

Supplemental coverage for medical, prescription, vision, and dental expenses not covered by provincial health plans.

Travel Insurance

Emergency medical and travel disruption protection when travelling out of province or out of country.

Mortgage Insurance

Personalized protection to cover your mortgage and family debt obligations in the event of an unexpected tragedy.

Term, Whole Life & Universal Life

Tailored life insurance solutions offering flexible term durations, guaranteed permanent coverage, or tax-advantaged wealth accumulation.

Business & Employer Insurance

Protect your enterprise and support your key talent:

Group Benefits

Custom health, dental, and disability plans to retain top employees.

Business Insurance

Includes Group Critical Illness, Key Person Coverage, and Professional Liability protection.

🥼 For Healthcare Providers

Specialized protection & investment strategies built for medical professionals.

Loan Protection Insurance

Protect practice startup loans, equipment debt, and overhead liabilities in the event of disability or illness.

Income Protection (Disability & Critical Illness)

Specialized high-limit income replacement designed specifically for doctors, dentists, and healthcare specialists.

Tax Sheltered Life Insurance & Retirement Plan

Optimize corporate medicine structures and maximize tax-exempt wealth accumulation for long-term retirement planning.

Wealth Generation Insurance

Leverage custom insurance strategies to protect and transfer practice wealth tax-efficiently to future generations.

Investments

Tailored corporate surplus and personal investment solutions built for incorporated healthcare practices.

Professional Liability Protection

Professional liability insurance helps protect healthcare providers against claims alleging negligence, errors, or omissions in the delivery of professional services. (Coverage is subject to eligibility and the terms, conditions, limitations, and exclusions of the applicable policy.)

✈️ Travel Insurance

Comprehensive cross-border and international emergency health protection.

Travel Insurance for Canadians

Coverage for Canadians travelling outside their home province or abroad.

Visitors to Canada Insurance

Emergency medical coverage for tourists, family visitors, temporary residents, and newcomers awaiting provincial health coverage.

Super Visa Insurance

Health insurance designed for parents and grandparents applying for or travelling to Canada under the Super Visa program.

Student Travel Insurance

Coverage for international students in Canada and Canadian students studying abroad.

Confidence, Clarity, and Care

At PolicyandPlus, we believe true protection goes beyond policies, it’s about confidence, clarity, and care. Our mission is to help you protect what matters most and design a financial future built on strength.

Founded by a licensed Insurance and Financial Advisor with healthcare background, PolicyandPlus brings together financial expertise, healthcare insight, and a deeply human approach to every decision.

Shaped by years of experience supporting people through some of life's most important and critical moments, our approach is grounded in compassion, precision, and thoughtful guidance, ensuring every client receives solutions that are tailored, transparent, and built around their specific needs.

Frequently Asked Questions

Find quick answers to common questions about our insurance, planning, and healthcare solutions.

What is life insurance?
You make payments to a life insurance company, and they give your loved ones a payout if you pass away.
What is term life insurance?
An easy and more affordable way to get life insurance coverage for a set period of time, or “term.”
Do I need life insurance?
If you’re married, have children or dependents, own a home, or own a business—you probably do.
What kind of life insurance do I need?
It depends on your situation. You’ll need to understand your coverage needs to decide which type of policy is right.
When should I get life insurance?
Major life milestones often signal it’s time for life insurance and policies cost more as you age.
I already have life insurance through work. Is it enough?
There’s a good chance it’s not enough. Additionally, the coverage typically won’t last if you leave the company.
How much coverage do I need?
Everyone’s needs are different. When purchasing coverage evaluate what you're buying for to determine how much you need.
Which term length is right for me?
It can depend on several factors, including your children’s age, your proximity to retirement, and your mortgage.
What is a life insurance rider?
A rider is a document that becomes a part of a life insurance policy, which can provide additional coverage or benefits.
What is underwriting?
How life insurance companies determine whether they’re able to insure you, and how much it will cost.
What is a beneficiary?
The person(s) who receives the policy proceeds if you pass away while your policy is in force.
What is a death benefit? Is it taxed?
The lump-sum payment your beneficiary receives if you pass away. Generally, it’s not taxed.
Can I choose more than one beneficiary?
Yes. You are able to choose multiple beneficiaries.
How is accidental death different from life insurance?
Accidental death insurance only provides coverage in the event of a covered accident.
Is Guaranteed Issue Whole Life right for me?
This policy option is best for people over the age of 65 years old.
What are key features of Guaranteed Issue Whole Life Policies?
There are a lot of reasons people go with Guaranteed issue whole life policies.
What are the benefits of a guaranteed issue whole life insurance policy?
No medical exams, level premiums, policy builds cash value, and guaranteed approval.
What does life insurance cover?
What life insurance covers can be answered in two ways: the expenses it covers, and the types of death it covers.
What is permanent and whole life insurance?
Permanent life insurance lasts for your whole life and typically has a cash value component.
What happens after I submit my application?
Our team reviews your application, initiates underwriting, and updates you on approval or next steps.
I was asked for follow-up information. What does this mean?
Underwriters may require minor additional details regarding medical history or lifestyle to finalize your custom rate.
Can I speak with a real person if I have questions?
Yes! Our licensed advisors are available every day a week, for direct phone calls, video calls, or virtual meetings.
Will applying hurt my credit score?
No, applying for life insurance does not affect your credit score.
Why does the application require so much information?
Accurate medical and background info ensures your coverage is completely valid when a claim is made.
How long does it take to get a decision on my application?
It depends. Decisions can take anywhere from days to weeks depending on policy complexity and underwriting process.
How is my final price calculated?
Rates are based on age, health history, coverage amount, lifestyle, and smoking status.
When does my coverage begin?
Coverage begins as soon as your first premium payment is processed and policy documents are signed.
What if my birthday occurs during the application process?
In many cases, policy rates can be backdated to lock in your younger age rate.
Will my premium ever change over time?
For fixed Term and Whole Life policies, your premiums remain guaranteed and locked for the duration of the term.
What happens if I miss a payment?
Most insurance contracts include a 30-day grace period to make up missed payments without losing coverage.
How do I cancel my policy?
You can cancel anytime by submitting a written notice or contacting Policy and Plus directly.
Do I get a refund if I cancel my policy?
Term policies generally do not refund past premiums, but permanent policies may return accumulated cash value.
What happens when my coverage term ends?
You can choose to renew, convert to permanent coverage without medical exams, or allow the policy to expire.
How long will it take for a claim to be paid?
Once all claim documents are verified, claims are usually paid out within 5 to 14 business days.
How do I file a claim?
Contact Policy and Plus directly at contact@policyandplus.ca to initiate the simple claim process.
How do I update my contact information?
Email us or submit a request through our customer support form to update your address or bank details.

Your life. Your goals. Covered.

For more information or to inquire about a quote, send us a message below. We will get back to you as soon as possible.