Personal Insurance
We understand every household’s goals are unique, which is why our personal insurance services in Ontario are built on partnership. At Matthews & Mann Insurance Brokers, we tailor family insurance to align with your financial, tax, and estate plans, ensuring your protection evolves with every life stage. As an insurance broker with over 20 years of experience, we simplify choices, handle policy management, and provide clarity and confidence that lasts well into the future.
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Protection for Every Life Stage
Our personal insurance responds to life’s changes, protecting your loved ones against the unexpected while strengthening your long-term financial security.
Holistic Security through Integrated Planning
With family insurance, every policy aligns with your protection goals, ensuring your financial and personal interests stay at the heart of your life plan.
Flexible Policy Design for Your Needs
As a trusted personal insurance broker, we craft flexible insurance options with transparent pricing and custom-built terms designed around your lifestyle.
Safeguard Your Wealth and Future
We utilize the unique relationship between the Insurance Act and the Canada Revenue Tax Act to design tax efficient strategies for wealth accumulation and retirement planning.
What Happens If I Get Injured or Sick and Can’t Work?
If illness or injury prevents you from working, products such as disability and critical illness coverage replace lost income through regular payments or a lump sum benefit to cover daily expenses or unplanned medical expenses.
Critical illness coverage offers a tax-free benefit, giving you the freedom to focus on recovery or support your family during a difficult time. We will help ou to choose the right plan and amount to suit your needs and budget.
What Happens When I Pass Away?
At Matthews & Mann, we know how overwhelming it can be to manage everything that follows the loss of a loved one. That’s why we step in immediately, so the family doesn’t have to deal with paperwork or insurer procedures while they’re grieving. Our priority is to lift as much of the burden as possible and ensure the support your loved ones are counting on arrives without delay. In most cases, the death benefit cheque is generated and delivered within 10 days, giving the family much-needed clarity and stability at a difficult time. We handle every requirement, every form, and every follow-up with the insurer with the same care and urgency we would for our own family.
When Insurance Becomes More Than Protection
Participating Whole Life Insurance: A Tax-Efficient strategy for Legacy and Liquidity
For high-net-worth individuals, our personal insurance solutions in Ontario provide more than coverage. They offer a stable, tax-free way to grow and preserve wealth. Participating whole life insurance builds guaranteed cash value, provides access to tax-free income at retirement and delivers strong dividend growth that generate steady, compounding returns protected from market volatility.
The death benefit is completely tax-free, making it an important part of family insurance in Ontario for estate planning, wealth transfer, and the preservation of family capital. This type of policy also provides liquidity without triggering capital gains, which helps fund opportunities, pay taxes, or support charitable goals without disrupting your investments.
As your trusted insurance broker, Matthews & Mann Insurance Brokers helps you use participating whole life coverage as a stable, long-term financial asset that builds value, protects wealth, and creates certainty in an unpredictable world.
Income and Disability Coverage Arrangement
Protecting your income is essential to maintaining your standard of living and meeting family commitments in the event of illness. Our personal insurance services include income protection, critical illness, and disability coverage designed around your career and financial goals.
We understand the pressures of ongoing expenses and debt management. Our advisory team creates individual plans tailored to your needs, ensuring the continuation of income during illness or injury.
- Protecting income and assets when you can't work
- Options include return of premiums if a claim is never made
- Flexible premium terms and rates
- Limited pay options available
- Access to the complete insurance market to secure the lowest rates available
Estate and Legacy Insurance Planning
High-net-worth individuals and business owners need sophisticated financial strategies, yet many aren’t aware of the opportunities available to strengthen their position and protect their legacy. Matthews & Mann brings uncommon depth, rigour, and creativity to uncover gaps in a client’s existing plan and apply traditional products in innovative ways they may never have considered. These strategies help diversify assets, preserve capital, improve tax efficiency, unlock low-risk returns, create liquidity, and ensure every need is addressed. Because we gain a deep understanding of each client’s full financial and personal landscape, we’re equipped to guide them through anything life brings—financial challenges, family changes, health events, or unexpected opportunities—so they can protect what they’ve built with confidence.
Frequently Asked Questions
- What if I’m not in perfect health? Can I still get insurance?
- Do I have to take a medical?
- I’m afraid the insurance company will try and get out of paying a death claim.
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What if I don’t need insurance anymore? Can I get my money back?
Yes, with certain products. Depending on what coverage you’re looking for and how long you expect to keep the coverage in force, there are ways to return a policy to the insurance company, and they will refund up to 100% of all premiums paid.