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Disability Income Insurance 

Health insurance that provides income payments to the insured wage earner when income is interrupted or terminated because of illness, sickness, or accident.
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Overhead Expense Plan

The Business Overhead Expense Plan covers business expenses that continue when your business revenue slows or stops because you are disabled due to illness or accident.
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Life Insurance 

Protection against the death of an individual in the form of payment to a beneficiary – usually a family member, business or institution.
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Extended Health Care 

Extended Health Care Plan is designed to cover eligible health expenses your government health insurance doesn't pay for.
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Critical Illness Insurance 

Insurance policy that pays a face amount/lump sum if the insured is diagnosed with a specified critical illness.
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Long Term Care

Day to day care that patient (generally older than 65) receives nursing facility or in his or her residence following an illness or injury, or in old age, such that the patient can no longer perform at least two of the five basic activities of daily living.
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Private Health Service Plan 

The purpose of a PHSP is to enable an employer to provide health and dental benefits to their employees on a tax-free basis. The employer is entitled to a deduction for the full amount of expenses paid out to the employee.
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Employee Group Benefit Plans

Single policy under which individuals in a natural group (such as employees of a business or a firm) and their dependents are covered.

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Member Benefits 

APEGGA

APEGM

APEGNB

   

 

 

 

For additional details contact us