Services

Life Insurance

These are the 3 categories that individual life insurance products fall into.

  • Term Insurance – Term Insurance provides coverage for the premature death of the policyholder within the fixed term. Lowest rates for Life Insurance. Most used for covering a Mortgage, Income Replacement, Future Expenses that will occur in an untimely death.

  • Whole Life – Life Insurance provides coverage on the maturity of the policy. Permanent insurance is commonly referred to as “whole life”. Most used for Funerals, Tax Deferral, Generational wealth transfer, children’s policies. Permanent includes a cash values which enables an investment strategy as the policy grows with premiums paid.

  • Universal Life – A form of permanent life insurance with intrinsic investment options that cater to the client’s needs.

Critical Illness Insurance

Critical Illness provides coverage for serious diagnosed illnesses. These illnesses may include Cancer, Heart Attack, and Stroke. The intention of this product is to provide the client with support as they deal with the financial obligations of everyday life.

Disability Insurance

Disability plans are purchased for individuals who are worried about either injury at work, stress leave, mental health, sickness. A person can purchase a disability plan that is catered to replace the income they would lose if they stopped working.

Group Benefits

Orijinative Assurance assists businesses by providing holistic plans designed specifically for our client’s needs. Our multi-carrier partnerships ensure our ability to stay competitive.

Group Benefit Services:

  • Life Insurance

  • Critical Illness

  • Dental

  • Travel Insurance

  • Drug Coverage

  • Paramedical (massage, chiropractor, etc.)

  • Accidental Death and Dismemberment

  • Short and Long Term Disability 

  • Hospital Coverage


We are happy to provide constant and ongoing support for your employees to alleviate extra administrative work that falls on your workplace. We know that First Nation entities lack human resources and ensure the availability of transparent representatives that put your needs first. We bring strong relationships with complete access to what is available on the market and want to support you to implement those options.


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