You should consider this coverage if:

  • You’re concerned your retirement income might not last for your lifetime if your health deteriorates and government programs are insufficient to meet your needs
  • You want the financial resources to help you choose the type and level of care that’s right for you if you have an accident or need substantial care later in life as you age
  • You want to protect your wealth and legacy from being eroded by the cost of care

long term care insurance

Why the Need for Long-term Care Insurance?
Long-term care insurance covers the insured in the event of prolonged physical illness, a disability, or a cognitive impairment like Alzheimer’s. This type of insurance is designed to help one live and maintain their lifestyle as it is now with their activities of daily living.

A person with a disability or illness will often need constant care and those who have cognitive impairments will need supervision. Long-term care insurance can help pay for these everyday expenses by using the insurance company’s money.

Personally owned Long term care insurance has been around in Canada for several years now. Simply put, LTC will pay the insured a weekly or monthly income if they cannot do 2 of the 6 aids to daily living which are: Bathing, Dressing, Transferring, Toileting, Continence and Feeding.

What You Can Do with the Benefit Payments?
The need for long-term care plays out in stages – first for someone to come into your home to care for you, then transitioning your care to a long term facility when it is required.

  • Hire an experienced person to come into you home on a regular daily schedule so that you can stay at home but not be a burden to your spouse or family

  • Stay in your home until you decide that you would be better served in an extended care facility

  • You have control – you can choose the home you want in the neighborhood you want.


Would you like a basic quote ? Please answer the following to get the conversation started.

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You are considered a non-smoker if you have been smoke free for 365 days.
This also includes the smoking of cannabis products.

Death Benefit: How to choose the amount for you.

Typically clients choose an amount that will pay off their mortgage and other debts to free up your survivors of these burdens. An additional $100,000 or more is then added to cover funeral expenses and children's education.  One last key criteria is to consider lost income, which our licensed life insurance agent can help you validate

Please indicate if you interested in the following coverage options:

If you would like us to contact you as soon as possible, please leave your phone number below.  We will respond within an hour during business hours.  All other quotes will be emailed within 24 hours.

If you have any other questions or comments, please let us know.

I went to one of Jaret’s “Life Insurance Uncorked” events where he spoke about the various types of coverages available. Highly recommended!

Tracy C.

You will not be sold a product you do not need when dealing with Jaret. He’s honest and upfront about everything he talks about. I decided on an Term 20 policy because it was right for me.

E. B.

Jaret explained to my wife and I the different types of Life Insurance available. After we talked, I feel very confident that my family is truly covered ‘just in case.’

Ryan H.


I would love to hear from you! Let me know what what services you are interested in or if you just want to have a chat about your current financial circumstances. I’m here to listen and then give you my professional feedback.

If you have any immediate questions about my services, feel free to give me a call at 604-816-5988 or send me an email! Prefer to schedule a call ? Add yourself to my calendar on a date and time that works best for you.

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