One moment, life feels steady. The next, everything changes—an illness, an accident, a business disruption. That’s why insurance planning matters. It’s not about fear. It’s about being ready. At Freeman Group Private Wealth Management, we help you build insurance plans that don’t just protect—they empower. We protect your income, secure your family’s future, and make sure your business stays strong, even in your absence.
We offer life insurance, disability insurance, critical illness insurance, and more—each one thoughtfully designed to match your needs, your lifestyle, and your long-term goals.
Life insurance: The quiet foundation of protection
Life insurance isn’t just a payout—it’s peace of mind. It ensures that your loved ones aren’t burdened with financial strain after your passing. It can cover funeral costs, pay off debts, fund your children’s education, or support a surviving spouse. For high-net-worth individuals, life insurance also plays a critical role in estate planning and tax efficiency.
For business owners, it becomes the key to continuity. It helps fund buy-sell agreements, protect key employees, and manage outstanding liabilities. If you’ve built a business that supports employees and serves clients, life insurance helps keep it alive and thriving, even after you're gone.
We specialize in high-net-worth life insurance strategies that secure your estate, reduce tax exposure, and deliver liquidity when it’s needed most.
Disability insurance: Protect your income, protect your future
Your ability to earn is one of your greatest financial assets. What happens if illness or injury interrupts that? Disability insurance steps in when your paycheque can’t. Whether you’re a professional, an entrepreneur, or in the prime of your career, disability insurance ensures your lifestyle and long-term plans don’t fall apart if you’re unable to work.
We help you choose the right coverage so you’re protected through short-term setbacks or long-term disruptions.
Critical illness insurance: When life throws its hardest punch
A heart attack. Cancer. Stroke. These life-altering events happen every day—and they don’t come with warning. Critical illness insurance provides a tax-free lump sum payment if you’re diagnosed with a covered condition. That payout helps cover treatments, replace lost income, and take care of expenses so you can focus on recovery.
This type of protection is especially important for high-net-worth individuals whose lifestyles, responsibilities, or business obligations don’t pause when illness strikes. It provides breathing room during what could be the most difficult period of your life.
Protecting your legacy through strategic insurance
Estate planning isn’t just about wills and legal documents—it’s also about ensuring your family has the liquidity to handle taxes, debts, and final expenses. Without the right insurance strategy, a large portion of your estate could be lost to taxes or forced asset sales.
We use high-net-worth life insurance as a key tool in intergenerational wealth planning. This helps you pass on more to your beneficiaries and less to CRA. Insurance becomes your financial backstop—preserving what you’ve worked for and keeping your legacy intact.
Annuities: Steady income during retirement
Annuities provide guaranteed income for life. For retirees who value stability, annuities offer a reliable paycheque that doesn’t fluctuate with the market. Whether it’s your entire retirement income plan or just one piece of it, annuities can provide comfort and structure during your post-work years.
Insurance plans that evolve with you
Life changes. So should your coverage. We don’t believe in one-size-fits-all policies. At Freeman Group, we take the time to understand your full financial picture—your family, your business, your goals—and build an insurance strategy that aligns with every part of it.
Whether we’re reviewing existing coverage or building a new plan from scratch, our focus is always the same: to ensure your insurance supports your life—not the other way around.
Employee benefits and business continuity
For business owners, protecting employees is part of protecting the business. We help design insurance plans and employee benefits packages that attract and retain top talent—while also protecting your bottom line.
From group benefits to executive health coverage, we’ll make sure your insurance strategy works for your team and your business.
Cleveland Clinic
Health is a key part of financial well-being—especially during retirement or when managing a household through significant life transitions. Freeman Group clients may gain access to Cleveland Clinic Canada for world-class second medical opinions and health navigation services. Whether facing a diagnosis or exploring treatment options, this exclusive benefit helps you make confident healthcare decisions while we help ensure your finances are equipped to support them.
