Our Services

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Term Insurance (or Mortgage Insurance) (*)

How would your family manage if you were not there to provide for them? Term insurance is a simple, affordable way to protect your family. In the event of your death, proceeds from the insurance benefit can be used to pay down your mortgage or other debts and replace the income you will no longer be providing. You select the term you want, from 10 to 40 years, and the premiums remain level for the term. This is a superior product to mortgage insurance offered by financial institutions. It’s yours no matter where your mortgage is held. Should you pass away during the term of the policy, your beneficiaries will receive tax–free payments and can choose to use them as they wish.

Whole Life Insurance (*)

With whole life Insurance, your premiums are locked in and guaranteed for your entire life, even if you get critically ill. This policy also pays out dividends which can be used to purchase additional coverage, reduce your premium or be paid out to you. Whole Life insurance policies also accumulate cash values which you can borrow against if you need access to cash.

Annuity Insurance (*)

Enjoy permanent protection with tax-advantaged investment growth within the policy that will pay you a guaranteed regular income, typically during your retirement years. Flexible payment options give you the freedom to choose income payments monthly, every three months, every six months, or once per year. You can even choose to receive payments now, or defer them to a later date.

Funeral Insurance (*)

Funeral insurance, also known as burial or final expense insurance, can help your family through a difficult time by covering the costs of your funeral, cremation, burial, and other related expenses.

Saying goodbye to a loved one is never easy, but funeral insurance can help ease the worry of financial burdens during the grieving process.

Guaranteed Life Insurance (*)

Regardless of your current health condition or medical history, if you’re between the ages of 18 and 80 you’ll be approved for Guaranteed Life Insurance with only a few questions asked and no medical examination required. Permanent insurance, where your premiums will never increase and the benefits will stay the same throughout the life of the policy is guaranteed. Depending on the seriousness of your health issues, term insurance could be available.

Universal Life Insurance (*)

This highly flexible life insurance option gives you complete coverage along with a wide range of benefits. Not only do you get permanent life insurance coverage, but also a broad selection of investment options that allows for tax-efficient savings growth. Accumulated savings can be used to pay premiums or withdrawn. At the time of your death, any accumulated savings in your policy are added on to the death benefit, tax-free.

Permanent Life Insurance (*)

Just as its name suggests, permanent life insurance plans don’t expire. We can help you choose between available universal, whole life, or straight forward Term to 100 insurance plans, depending on your needs. Permanent life insurance can be as simple as providing funds for a funeral or as complex as managing estate liabilities. Permanent insurance guarantees there are immediate funds available to handle final expenses.

Health Insurance (*)

Health insurance allows you to save on healthcare costs not covered by provincial healthcare plans or your employer. Eligible services covered under health insurance include dental, hearing aids, prescription drugs, nursing, home care, physiotherapy, massage therapy, and much more. Also, if you’re self-employed and without health benefits, this product has you covered!

Critical Illness (*)

If you develop an illness that requires long-term treatment and recovery, critical illness insurance helps you financially. This tax-free benefit can be used to replace your lost income without you having to withdraw from your RRSP or other savings. You can use it to seek alternative treatments, pay for drugs not covered under health plans, make home modifications or just take a relaxing vacation. It’s also a great option for self-employed business owners to keep their business operating during convalescence. With critical illness insurance, you have the freedom to focus solely on your recovery.

Disability Insurance (*)

In the unfortunate event you become disabled and are unable to earn an income, disability insurance can help by replacing a portion of your income over the short or long term. Disability can result from a number of causes, including a personal injury, serious illness, or a mental health issue. Benefits can be used to cover household or other important expenses, as you see fit.


We have recently seen how limited government care is for those who are most vulnerable. Home care insurance is a logical solution and provides the necessary resources when you are no longer independently able to physically or mentally care for yourself. The benefit allows you to direct care as you wish, whether it be for personal care, home making or community outings.

Travel Insurance (*)

Nothing ruins a trip more than having insufficient insurance coverage when you need it the most. Our plans include medical coverage for your entire family, including emergency coverage in the event you require an out-of-province hospital stay. Whether you travel around the world or across the country, we have a travel insurance plan that’s right for you.

RRSP (*) (**)

Take advantage of generous tax benefits while building up your retirement wealth with a Registered Retirement Savings Plan (RRSP). Our advisors will regularly review your RRSP to make sure it’s as tax-efficient as possible, and keep your investment portfolio diversified and profitable to help you have the retirement you’ve always dreamed about.

TFSA (*) (**)

Do you have a Tax-Free Savings Account (TFSA)? Dividends and capital gains generated by investments within a TFSA are tax-free, even when withdrawn, so your savings will accumulate faster. There is no annual deadline to contribute to your TFSA, and if you need quick access to cash, you can make no-cost withdrawals at any time.

Non-Registered Account (*) (**)

Benefit from flexibility, consistent liquidity, and no contribution limits with a non-registered investment account. Capital gains from investments within these accounts are only subject to tax upon withdrawal, and are taxable at only 50% of your marginal tax rate. Unlike RRSPs and TFSAs, there are no contribution limits, giving you unlimited investment freedom.

RESP (*) (**)

Give your children’s post-secondary education the best start possible with a Registered Education Savings Plan (RESP). When you open and contribute to an RESP, you’ll access the Canada Education Savings Grant (CESG), which allows the federal government to also contribute to your child’s education to a maximum of $7,200 per child over the lifetime of the RESP.

RDSP (**)

If you or someone you care about has a disability, you can open a Registered Disability Savings Plan (RDSP), which will provide them with financial security to help with their specialized needs. Funds grow tax-free until withdrawal, have flexible payment terms, and will give you or your loved one added independence and income through the later years.

Generous government grants make an RDSP an excellent investment choice.


We believe that investing can have an impact on making the world a better place. Investing in clean energy, water and waste management and agricultural initiatives can improve lives as well as grow your assets. Managers of socially responsible investments engage with corporations to promote Board diversity, supply chain accountability, environmental impact and much more. Let’s talk about it.

Financial Planning

Carte Financial advisors understand the importance of having a solid financial plan in place so that you can reach your goals. But financial planning is about more than money. Francine will create a customized plan that takes into account where you are today and where you want to be in the future. Can you afford retirement? When should you take CPP and OAS? How will having children impact your future? How do you plan for a special needs child? How does your future look if you move out of the city to a smaller community? With your wishes and goals in place, Francine will consider cash flow, investment strategies, risk management, tax planning and estate planning. She will also make appropriate adjustments in accordance with life events, such as marriage, having children, or buying a home. How would you feel having financial clarity and the knowledge of a secure future? Work together with Francine to get where you want to be.

Fees vary depending on the complexity of your plan. Book a complimentary consultation with Francine.