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Life insurance

Life insurance helps to create security for you and your family. When you die, it can be used to pay final expenses and debts, and provide an income for your family.

The advantages of life insurance include:

  • Death benefits to named beneficiaries are almost always non-taxable.
  • An instant estate when funds are needed the most
  • Probate costs can be avoided if you name a beneficiary other than your estate
  • Life insurance may offer the potential for creditor protection1
  • Permanent life insurance allows you to build tax-advantaged cash value for retirement purposes or to provide liquid savings*

HTM Financial Group Inc. has access to a wide variety of life insurance options to help meet your financial plan. We can help you find the coverage that’s right for you.

Contact us today to find out more about how life insurance can play an important role in your financial plan.

*If the accumulation stays within prescribed limits, the cash value is only subject to income tax when it’s withdrawn.


Call 905-829-3300



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Please contact me to learn more about financial planning and how we can help you realize your dreams.

- Michael T. Hazell