Kevin Pacheco –

Insurance Solutions

Welcome to Advantage Wealth & Insurance

Life Insurance

Whether you need temporary coverage for your mortgage or comprehensive whole life protection, we offer a wide range of options to provide peace of mind, ensuring your loved ones won't bear a financial burden.

Critical Illness Insurance

In times of illness, our insurance plans offer vital financial support. With coverage for up to 26 illnesses and the option riders of a return of premium, this solution provides significant assistance during challenging times.

Disability Insurance

Our goal is simple - to replace a portion of your monthly income when injury or illness prevents you from working. Government benefits often fall short, leaving gaps in covering essential expenses such as groceries, bills, and family support.

Long-Term Care Insurance

Prepare for the future with peace of mind and financial assistance. Our long-term care insurance provides support when you are unable to perform basic daily activities, ensuring you receive the care you need most. 

Individual & family Benefit coverage

Enjoy reimbursement for eligible health expenses, including medical, dental, vision, and other healthcare costs not fully covered by provincial or secondary benefit plans. Our plans are affordable and customizable, designed to meet the unique needs of you and your family.
Experience affordable and flexible insurance plans tailored to your specific requirements at Advantage Wealth & Insurance. Choose us to protect your loved ones, secure your financial well-being, and gain peace of mind in all stages of life.

Group Health Benefits

Provide comprehensive benefits to your employees, irrespective of their age, profession, or social background. These benefits are instrumental in attracting and retaining a skilled workforce for small businesses. Additionally, they can be utilized as a strategic tool to offset higher wages and enhance employee satisfaction.

Types Of Life Insurance

  • Term Insurance:

    Term insurance provides coverage for a specified term, typically 10, 20, or 30 years. It offers a straightforward and affordable way to protect your loved ones in case of your untimely death. Term policies pay out a death benefit to your beneficiaries if you pass away during the term.

    Term policies offer riders (additional features) like critical illness or disability coverage, which can be added for extra protection.

  • Whole Life Insurance:

    Whole life insurance is a permanent policy that covers you for your entire life. It not only provides a death benefit but also accumulates cash value over time, making it a valuable financial asset. Your premiums remain level throughout your life.

    Like all whole life policies also have riders you can add, to help cover yourself an your family members. You also have the option to use cash value built up in the policy. Some conditions apply.

  • Participating Life Insurance:

    Participating life insurance is another form of permanent coverage. It provides death benefits and the potential to receive dividends, which are a share in the insurance company's profits. This can lead to an increased cash value and potentially a paid-up policy.

    Some whole life policies offer options for paid-up additions, Which allow you to increase the death benefit, cash value, and dividends, which can be used to reduce premiums or enhance the policy.

  • Universal Insurance:

    Universal life insurance is a flexible permanent policy that combines a death benefit with an investment component. It allows you to adjust the premiums and death benefit over time, offering financial flexibility and the potential to accumulate cash value.

    Universal policies often provide a range of investment options, and you can choose between fixed and variable universal life. You have the freedom to adapt your policy to your evolving financial situation.

Start Working Towards Financial Security For Life.

Protect Your Wealth today to learn more about our comprehensive insurance, retirement planning & investments – each fully customizable for your needs.