Services
PROTECT WHAT MATTERS MOST
Get the right life insurance, living benefits, travel coverage, and employee health plans customized to your life or business. You can finally feel calm, confident, and truly secure, knowing your family or team is taken care of no matter what comes next.
Because your peace of mind
is worth protecting.
INDIVIDUAL LIFE
& LIVING BENEFITS
EMPLOYEE HEALTH
BENEFITS
TRAVEL INSURANCE
CORPORATE LIFE
& BUSINESS STRATEGY
1.
EMPLOYEE HEALTH BENEFITS
Your coverage can include:
Term Life Insurance → Affordable protection during key years
Temporary coverage for a set period.
Lower Cost – Affordable protection for specific needs.
Fixed Payout – Pays a set benefit if death occurs during the term.
No Savings Component – Pure insurance.
Ideal for: Covering mortgages, debts, or children’s education.
Whole Life Insurance → Protection that lasts a lifetime
Lifetime coverage with savings potential.
Lifetime Protection – Coverage stays in effect as long as premiums are paid.
Cash Value Growth – Builds tax-deferred savings.
Guaranteed Death Benefit – Paid to your beneficiaries.
Ideal for: Long-term protection and financial planning.
Universal Life Insurance → Flexible protection for life and changing goals
Flexible coverage with adjustable premiums and savings.
Flexible Coverage – Lifetime protection with adjustable benefits.
Cash Value Growth – Tax-deferred savings tied to investments.
Ideal for: Lifelong coverage that adapts to your needs.
LIVING BENEFITTS INSURANCE | Supports your income if illness or injury prevents you from working
Disability Insurance → Protect your income if you can’t work
Replaces part of your income during recovery.
Short- or long-term options.
Ideal for: Anyone who relies on their income.
Critical Illness Insurance → Focus on recovery, not finances
Lump-sum payment if diagnosed with a serious illness (e.g., cancer, heart attack, stroke).
Helps with bills, mortgage, or extra treatment costs.
Ideal for: Those wanting support during serious illness.
Check which plan fits you best?
2.
CORPORATE LIFE & BUSINESS STARTEGIES
Corporate-owned life insurance + tax-efficient planning.
Perfect for incorporated owners and mid-sized businesses.
→ Protect your business, support succession, and grow wealth smarter
Check which plan fits you best?
3.
TRAVEL INSURANCE
Coverage options may include:
Emergency Medical Travel Insurance |
Covers hospital stays, physician services, & emergency treatment outside Ontario or Canada
Visitors to Canada Insurance |
Designed for parents, relatives, and international visitors without provincial health coverage
Trip Cancellation & Interruption Insurance |
Protects prepaid travel expenses due to illness, emergencies, or unexpected events
Baggage & Travel Delay Coverage |
Helps offset costs caused by delayed, lost, or stolen belongings
Flexible Travel Plans |
Available for single trips, annual multi-trip plans, snowbirds, students, and extended stay
Your Protection Options
Check which plan fits you best?
4.
EMPLOYEE HEALTH BENEFITS
Plans may include:
Group Health & Dental Insurance |
Coverage for prescriptions, dental care, vision, & paramedical services.
Group Disability Insurance |
Income protection for employees unable to work due to illness or injury
Life & Critical Illness Insurance |
Financial security for employees and their families.
Employee Assistance Programs (EAP) |
Confidential mental health and wellness support.
Group Retirement Solutions |
RRSP or pension-style plans that promote long-term financial security.
Plans are scalable and customized to meet the needs of small and mid-sized Ontario businesses.
Check which plan fits you best?
How other sees us
“I had a pleasure working with Maria (Nellie) Depalma during the deciding factor to switch to a new group benefits for Invacare employees. She explained the benefits coverage the way I would understand. I find Nellie very approachable and friendly. Due to the way she conduct herself in a professional manner and her knowledge of the industry, I decided to switch to their company. The transition went smoothly and employees finds their applications user friendly. Nellie handles all employees inquiries and questions promptly.”
“ I was shopping around for life insurance until I came across Nellie. I had a wonderful experience working with Nellie for my life insurance needs. She took the time to explain every option clearly and helped me choose a plan that truly fits my situation. Her professionalism, patience, and genuine care made the entire process easy and stress-free. I highly recommend Nellie to anyone looking for reliable and knowledgeable support with life insurance or any other insurance. She’s one of the best.”
It works in simple steps
Step 1
Schedule Your Free 15-Minute Chat
No pressure, no paperwork. Just a friendly conversation about your family, business, goals, and concerns, so I can understand what matters most to you.
Step 2
Receive Clear, Tailored Options
I’ll review your needs and present 2–3 personalized plans in plain English. You’ll get straightforward info on costs, coverage, and pros & cons, so you can make an informed choice.
Step 3
Choose What’s Right & Let Me Handle the Rest
Pick the plan that fits you best. I’ll take care of the application, paperwork, and any medical requirements — making the process smooth and hassle-free.
Step 4
Ongoing Support & Coverage You Can Count On
You’re protected! I’ll stay in touch year-round to assist with updates, questions, and claims support. I’m always just a call or text away.
Make your first move
Your Peace of Mind Starts Here
Imagine closing this page feeling relieved, knowing your loved ones or team are truly protected, with an advisor who cares and never disappears.