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    SCU Insurance

    Flexible. Affordable. Comprehensive. Insurance coverage for every stage of your business

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    Insurance for all your business needs

    When you think about your financial goals and plans for the future, protecting those you care about is equally important. That’s where SCU Insurance comes in. We’re passionate about ensuring that life’s unexpected events do not prevent you from reaching your goals, so that you have the peace of mind that comes from knowing you and your business are protected.

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    Benefits of SCU Insurance

    Provide stability during a time of uncertainty

    Protect employees and their loved ones from undue stress and anxiety when the unexpected happens.

    Maintain cash flow

    Insurance can cover immediate needs and help replace lost income.

    Cover the costs of your financial obligations

    Protect business loans, lines of credit, and overhead expenses.

    Build Employee Loyalty and Retention

    Group Benefits help separate you from the competition—creating a more desired workplace.

    Business insurance solutions

    Permanent Life Insurance

    Permanent insurance provides a lifetime of coverage with guarantees.

    Features
    Provides lifetime protection and offers the security of guaranteed level premiums. Some policies are designed to build cash values and increase their death benefit over time.
    Can be used to:
    • Provide funds for business continuation expenses
    • Fund business succession plans
    • Complete business charitable donation strategies
    • Provide tax efficient wealth transfer strategies

    Term Life Insurance

    Term Life Insurance is ideal for those with personal or business financial obligations

    Features
    Provides short-term protection for those with personal or business financial obligations.
    Can be used to:
    • Provide business debt protection to pay mortgage, loans, and lines of credit
    • Provide funding for buy/sell agreements
    • Provide financial resources to replace a key person in your business
    • Protect business owners involved in a private corporation or partnership

    Critical Illness Insurance

    Add critical illness protection to your insurance plan to help see you through the unexpected.

    Features
    Focus on what’s important—your recovery. Critical Illness Insurance allows you to live without financial worry by providing a lump-sum payment that can help maintain your financial stability.
    Can be used to:
    • Provide financial support to business owner or key person who is diagnosed with a critical illness
    • Repay or service business debt or lines of credit
    • Cover business overhead expenses such as utilities, taxes, payments, and wages
    • Seek out-of-province/country treatment or a second opinion

    Disability Insurance

    Protect you and your business from a loss of income should you become ill or injured.

    Features
    Protects your single biggest asset—your earning power. — A monthly benefit that protects you and your loved ones from the loss of income resulting from an unexpected injury or illness.
    Can be used to:
    • Replace income and help you cover living expenses
    • Continue to service debt
    • Help maintain your standard of living
    • Provide for business overhead expenses

    Employee Group Life, Health, and Dental Benefits Insurance

    Reimburses your employees for medical expenses not covered by provincial healthcare plans.

    Features
    A choice of health benefit elements to improve protection for plan members and their families.
    Your Employee Group plan can include:
    • Group Life Insurance, Accidental Death & Dismemberment, and Critical Illness Insurance
    • Short Term and Long Term Disability Insurance
    • Extended Health & Dental Care coverage, including Prescription Drugs
    • Health Care Spending Account or Personal Spending Account
    • Employee Assistance Program—Available around the clock, 365 days per year

    Retirement Savings Programs

    Retirement Savings programs help build employee loyalty and retention.

    Features
    A selection of savings plans intended to provide for the well-being of your employees in retirement.
    Options include:
    • Group RRSP* or Restricted Group RRSP—Great for small businesses that want flexibility and no government filings
    • Group TFSA*—A good compliment to retirement plan that encourages further savings
    • DPSP—Deferred Profit-Sharing Plans are flexible and have payroll tax advantages
    • DC Pension Plan—Defined Contribution Pension Plans are good for larger businesses and have payroll tax advantages

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    Fill out the contact form, and we'll get in touch.

    SCU Insurance is a program provided by Aviso Insurance Inc. offering financial planning, life insurance and investments to members of credit unions and their communities. Trade-mark(s) of SCU Insurance are used under licence by Aviso Insurance Inc. 
    *Group RRSPs, Group TFSA programs, mutual funds, and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc..
    Your insurance contract will provide details of the coverage available under the plan you choose.  Restrictions may apply.

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