ENLIGHTENED BENEFITS CONSULTING: STRATEGIC INSURANCE PROGRAMS & SOLUTIONS FOR CANADIANS
INDIVIDUAL INSURANCE PLANNING
Life Insurance: Provides financial support to your beneficiaries in the event of your death — helping cover debts, income replacement, and long-term family needs. Can also support estate planning and charitable giving goals.
Disability Insurance: Replaces a portion of your income if you’re unable to work due to injury or illness. This coverage ensures your financial stability during extended recovery periods.
Critical Illness Insurance: Delivers a one-time lump sum payment upon diagnosis of a covered serious illness (ex. cancer). Helps offset lost income, medical expenses, or recovery-related costs without depleting savings.
BUSINESS SUCCESSION PLANNING
Key Person Insurance - Life, Disability & Critical Illness
Protects the company from financial losses due to the death, disability, or critical illness of a key contributor. The business is the owner and beneficiary of the policies. This coverage provides working capital or funds to cover operational disruption, recruit and train a replacement, or manage recovery periods — stabilizing the business during periods of uncertainty or transition.
Buy-Sell Agreement Funding - Life Insurance
Ensures that remaining owners have the funds to buy out a deceased partner’s shares. The company or shareholders own a life insurance policy on each other. This coverage provides liquidity to surviving owners and the deceased's family, avoids forced asset sales.
Buy-Out Insurance - Disability Insurance
Funds the buyout of a business owner who becomes permanently disabled and is typically, a lump sum or structured payout. This coverage avoids financial strain on the company and ensures fair compensation to the disabled partner.
"I had no idea how underinsured I was until working with Enlightened Benefits Consulting.
Christine took the time to understand my personal goals, walked me through every option, and built a plan that actually made sense for my life — not just a sales pitch.
I feel genuinely confident that my family is protected now, no matter what happens."
- CLIENT TESTIMONIAL -