Life Insurance for Healthcare Workers & Public Servants
When group life coverage isn't enough — and what happens to it when you leave the job.
Book a CallHealthcare workers and public servants usually have solid group life coverage through an employer or union plan. But that coverage is typically limited to 1–2 times salary, it isn't portable if you change jobs, and it ends at retirement — exactly when your family may still need protection.
I help you layer personal coverage so a career change, a move to private practice, or retirement never leaves your family exposed. Because I'm independent and shop 15 Canadian insurers, I can find coverage that fits your health class and budget — and structure it to complement, not duplicate, your group benefits.
Why layer personal coverage on top of group benefits?
- Portability: Personal coverage follows you to a new employer, into private practice, or into retirement.
- Higher limits: Group plans cap at 1–2 times salary; personal term can cover 10–15 times income or your full mortgage balance.
- Guaranteed rates: Lock in premiums while you're healthy — before a career change or health change can affect your options.
- You own it: The policy is yours; you choose the beneficiary and the coverage stays level.
- Convertible: Term coverage can convert to permanent insurance later without medical questions — useful as you approach retirement.
When to review your coverage
Review when you're considering a job change, moving to self-employment or private practice, buying a home, or planning for retirement. The strongest position is to secure personal coverage while you're still healthy and employed — then decide how much group coverage to keep once you understand the full picture.
I serve healthcare workers and public servants across Nova Scotia, Ontario, and New Brunswick, with virtual consultations available across ON, NS & NB. Service en français disponible.