Your Family

Your family is important to you. And you are equally important to them. Having something happen to you or your partner would be difficult enough emotionally for your family. The last thing you’d want is to burden them with financial implications on top of it all.

Life insurance provides a tax-free payout to your loved ones that can remove financial concerns at a time when they are already dealing with a significant loss. Life insurance is not just for those in good health; our specialists can help you get the right insurance coverage you need.

Ask your broker today about term life insurance to protect your mortgage. In most cases, it can be a better option for your family.

Your Health

If you’re sick, we want to help you get better. Your provincial health coverage is great in certain cases, but there are significant gaps in what it covers. You could be at a serious financial liability for issues like chronic health conditions, emergency medical services in another country, or other practitioners. If you don’t currently have access to individual health insurance through your employer, it is important to consider purchasing your own plan.

We can help you get better by relieving you of the financial burdens when faced with a disability or critical illness. Our life insurance professionals will help you choose the plan best suited for your particular needs, so that getting better is the only thing you need to focus on.

Your Work

Your business partner has your insurance covered, but your spouse might not be. Offering group health benefits to your employees might also be one of your priorities. Our specialized team of dedicated professionals will work with you to provide solutions for any of your business related needs. If you’re a small business owner, ask one of our specialists about “key man” insurance, to protect the business against your loss.

As Canadians, we’re pretty lucky. We have access to one of the best healthcare systems in the world, allowing us to go to the doctor whenever we’re ill without worrying about the expense. However, beyond medical appointments and other basic healthcare needs, there are many things aren’t covered by our universal healthcare.


What does universal healthcare not cover?
Dental Care
Dental care isn’t covered under universal healthcare, and dental bills can be quite pricy, with dental visits often costing hundreds of dollars. A supplementary health insurance policy can help cover routine dental exams, x-rays, cleanings, extractions and fillings.

Prescription Drugs
Medications, especially those that need to be refilled regularly, can be quite expensive without coverage. With drug coverage, many prescription drugs are very affordable.

Medical supplies
Wheelchairs and other medical supplies and appliances can cost thousands of dollars without additional coverage.

Eye care
Supplemental health insurance can help pay for optometry appointments as well as glasses or contacts.

Professional services
For certain conditions or injuries, your doctor may recommend you see another healthcare professional like a physiotherapist or osteopath. Their services are often partially covered under a supplemental healthcare insurance plan.

Travel Insurance
With access to fairly comprehensive healthcare here in Canada, many of us don’t think about the possible expenses of getting sick or injured while travelling. If the worst happens, your provincial insurance may not cover your bills – even something as simple as few nights in hospital with doctor fees and diagnostic charges in the USA can equal tens of thousands of dollars. If you do have travel insurance included in your supplemental healthcare plan, be sure to carry all information relevant to your policy, such as your policy number, while you travel.


Do you need extra health insurance?
Of course, no one plans on getting sick or injured. But extra expenses like those above as well as ambulance services or specialized nursing services can really add up – especially if your illness prevents you from working. Beyond helping with medical bills, additional health insurance can supplement your income if you become severely ill or injured.

Peace of mind is priceless – talk your MacLeod Lorway broker today for health insurance tailored to you.

We make insurance personalized

We consider your wants and needs to make sure you get the coverage that makes sense for you.

Coverage. Care. Commitment.

"I love building relationships with my clients."

Julie Moore

Manager, Kentville