Services
Nine ways we can help, and one order to do them in.
Protection comes before growth, and growth comes before legacy — because a plan built the other way round falls over the first time something goes wrong. Here is the whole catalogue, in that order.
- Education first — nothing is recommended before it is explained
- You deal with Malay directly — never a call centre
- Ontario-based, by phone, video or in person
- Complimentary review with no obligation
Protect today
The floor under everything else — so a loss of income, health or life does not unravel what your household depends on.
Life insurance
Replace the income your household depends on, for as long as it depends on it.
- How much you actually need
- How long you need it for
- Which structure fits
Critical illness insurance
A tax-free lump sum on diagnosis, to spend however recovery actually requires.
- The lump sum, and what it is for
- The covered conditions list
- How it sits with disability coverage
Disability & income protection
Replace a portion of your paycheque, monthly, if you cannot work.
- The definition of disability
- Waiting and benefit periods
- Where your group plan stops
Mortgage protection
Own the coverage that clears your mortgage — instead of renting it from the lender.
- What the bank actually sold you
- A term policy sized to the mortgage
- Covering both borrowers
Health & dental
Cover the everyday medical costs a provincial plan and an ended group plan leave behind.
- Prescription drug coverage
- Dental
- Paramedical and mental health
Build tomorrow
Savings with a job to do: a first home, a child's education, a retirement date — each with its own timeline.
Savings & investments
Match RRSP, TFSA and RESP to the goals and timelines they actually suit.
- RRSP or TFSA first
- RESP and the education grant
- Segregated funds
Retirement planning
Turn what you have saved into income that lasts, in the right order.
- What retirement actually costs you
- Withdrawal order and tax
- Guaranteed income
Leave a legacy
Income you will not outlive, and an estate that reaches the people you intended without a fight.
Arriving in Canada
Coverage for family joining you here, and the first protection decisions newcomers face.
Not sure where you fit
Most people arrive with a situation, not a product name.
Describe what is going on — a mortgage closing, a new baby, parents arriving from overseas, a retirement date on the calendar — and we will tell you which of these actually applies, including when the answer is none of them.
No statement on this site is a guarantee of coverage, approval, returns or results. Any strategy discussed must be reviewed against your personal situation with a licensed representative before you act on it.