Welcome
Trusted Canadian Insurance Solutions
Protecting your future with tailored Insurance coverage options.
About O Canada Insurance
Our Mission
At O Canada Insurance Inc., one can expect personalized advice that goes beyond selling policies. We are here to analyze your current situation and advise based on the analysis and PITA strategy. Our tailored insurance solutions are designed to protect what matters most to you, whether it’s your family, your health, or your business. We believe informed decisions lead to stronger futures, which is why we’re committed to giving you clear guidance, trusted expertise, and unwavering support every step of the way.
Protect
Protecting your financial base is step one in any well-structured financial plan. It ensures that no matter what life throws at you - illness, job loss, accident, or death - your family and finances are
shielded from catastrophic impact.
Key Protection Pillars in Canada:
Insurance Coverage in Canada: Insure your life and health by leveraging Insurance tools (Life Insurance, Disability Insurance, Critical Illness and Health and Dental plans).
Emergency Fund:
- Aim for 3–6 months of core living expenses in a high-interest savings account.
- Avoid keeping it in risky or locked-in accounts.
Legal Documents & Family Planning:
- Will: Without a will, your estate is distributed by provincial law — not ideal.
- Power of Attorney for Property & Personal Care: Ensures someone can legally manage your finances or healthcare if you're incapacitated.
Debt & Credit Risk Management:
- Pay down high-interest debt (credit cards, payday loans) before investing.
Invest
At the heart of our PITA Strategy is Invest - a tailored approach to help you build and protect your financial future by making your money work smarter for you.
Our Investment Solutions:
Registered Plans:
- RRSPs (Registered Retirement Savings Plans): Save for retirement with tax advantages.
- TFSAs (Tax-Free Savings Accounts): Enjoy tax-free growth and flexible withdrawals.
- RESPs (Registered Education Savings Plans): Prepare for your children’s education with government grants and tax-deferred growth.
Investment Products:
- Mutual and Segregated Funds: Diversified portfolios managed to meet different risk profiles.
- GICs (Guaranteed Investment Certificates): Secure and predictable returns with capital protection.
- Stocks, Bonds, ETFs: Direct investments aimed at growth and income (in partnership with licensed securities advisors).
Insurance-Based Investments:
- Segregated Funds: Combine market growth potential with principal guarantees and estate benefits.
- Participating Whole Life Insurance: Build cash value while maintaining life insurance protection.
Incorporating the Invest pillar as part of your comprehensive PITA strategy sets you on the path to long-term financial success, while supporting the security of your family and legacy. Whether you're new to investing or ready to optimize your portfolio, tailored advice and ongoing review ensure your investments align with your evolving goals.
Transfer
Transferring your assets to the next generation can often trigger significant tax liabilities, reducing the value of your legacy. At O Canada Insurance Inc. we specialize in helping Canadians use permanent life insurance as a powerful tool to transfer wealth in a tax-efficient way, protecting your estate and maximizing what you leave to your heirs.
How Our Tax-Efficient Asset Transfer Strategy Works:
- Identify Assets to Transfer: Review your investment portfolio or business holdings to determine which assets can be shifted into a life insurance vehicle to optimize tax efficiency.
- Choose the Right Policy: We help you select between permanent life insurance options such as whole life or universal life — tailored to your financial goals and risk tolerance.
- Transfer Assets into the Policy: Move investments from taxable accounts into the cash value component of the life insurance policy, allowing tax-sheltered growth.
- Name Your Beneficiaries: Designate your next of kin or loved ones as policy beneficiaries to ensure the death benefit bypasses probate and taxes.
- Enjoy Peace of Mind: Upon death, the tax-free insurance proceeds provide your heirs immediate access to funds, preserving your estate’s value and helping them meet financial needs without unnecessary tax impact.
Our approach complies fully with Canadian tax laws and privacy regulations, including PIPEDA. We collaborate with licensed advisors who understand provincial variations and ensure your strategy is legally sound and optimally structured.
Analyze
Your financial legacy deserves attention and optimization on a regular basis. At O Canada Insurance Inc., we offer an annual analysis service designed to make sure your tax-efficient asset transfer plan-centered around life insurance and financial strategy, remains aligned with your evolving goals and Canadian tax regulations.
Annual reviews help you stay ahead, ensuring your asset transfer plan remains robust, adaptive, and tax-smart for Canadian families and businesses. Schedule your annual analysis now and experience peace of mind knowing your legacy is protected and optimized.
PROTECT: Safeguard Your Financial Foundation
Life Insurance
Disability Insurance
Health Insurance
Secure your family's financial future with life insurance. We offer term life, whole life, and universal life policies. Our team can help you determine the best coverage amount and type for your situation.
Health Insurance
Disability Insurance
Health Insurance
Stay covered with health insurance. We offer a variety of plans to fit your needs and budget. Our team can help you navigate the complex healthcare system and find the best coverage for you and your family.
Disability Insurance
Disability Insurance
Critical Illness Insurance
An injury or illness can temporarily or permanently impact your ability to work. Disability Insurance ensures that even if you can’t earn, your financial life stays on track. It provides monthly income replacement so you can cover essential expenses like rent, groceries, and bills while you recover.
Critical Illness Insurance
Critical Illness Insurance
A financial lifeline when your health takes a serious hit.
A diagnosis like cancer, heart attack, or stroke can change everything in an instant. Critical Illness Insurance provides a lump-sum payout to help you manage the unexpected costs that come with a major health crisis—so you can focus on recovery, not bills.
Health and Dental Insurance
Care for your body. Protect your wallet.
Routine checkups, unexpected illnesses, and dental visits can add up fast. Health and Dental Insurance helps you manage those costs—so you can prioritize your well-being without worrying about the price tag.
Super Visa Insurance
Super Visa Insurance is private medical insurance designed for parents and grandparents of Canadian citizens or permanent residents. To qualify for a Super Visa, applicants must show proof of insurance that is valid for at least one year and offers minimum coverage of $100,000.
Travelling Canadian Insurance
Travelling Canadian Insurance
Travelling Canadian Insurance
Travel Insurance for Canadians – Explore the World with Confidence
Whether you're heading across the border or halfway around the globe, Travel Insurance for Canadians ensures you're protected from unexpected surprises while abroad. Don’t let unforeseen events derail your journey. With our travel insurance, you can focus on making memories—while we handle the rest.