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Protection Plans

Adaptive life coverage providing total security through flexible Term and Permanent plans.

Protection Plans


Term Insurance
Permanente Life Insurance 

Living Benefits

Access your policy’s value during your lifetime for critical financial needs.

Living Benefits


Critical Illness
Disability
Health & Dental
 

Investments

Strategic wealth growth through flexible, high-performance portfolios designed for your future.

Investment

Retirement Plans
Children's Plans
RESP
TFSA
Locked-in Plans
RRSP
RIF

Group Insurance

Integrated Group Solutions: Protection, Wealth, and Wellness in One.

Group Insurance

Life & Protection
Investments & Savings
Health & Wellness

Other Plans

Clear your financial path with strategic protection against unexpected debt burdens.

Protection Plans

Debt Solutions
Charitable Giving
Estate Planning
Travel Insurance
Super Visa Insurance

A Unified Ecosystem for Life, Wealth, and Legacy.

We’ve redesigned insurance to be proactive, providing a digital-first suite of services that adapt to your reality in real-time. By removing traditional barriers, we transform complex financial decisions into a single, intuitive experience. Our platform ensures that as your world expands, your protection and wealth-building strategies evolve automatically to meet the challenge.

About Us

Simply Smarter Coverage.

You shouldn’t have to be an expert to feel secure. Intutiv blends human expertise with effortless technology to make insurance easy to understand and even easier to use. We’ve redesigned the experience from the ground up to focus on what matters most: you, your family, and your peace of mind.

Our suite of services is designed to evolve with you. We offer comprehensive Term and Permanent Life Insurance—including ULIP and Wealth options—to secure your legacy, alongside Living Benefits like Critical Illness, Disability, and Health and Dental coverage to protect your quality of life. Beyond protection, our expert advisors manage diverse Investment portfolios, from Retirement and Children’s plans (RESP) to tax-efficient TFSA, RRSP, RIF, and Locked-in plans. For businesses, we provide robust Group Benefits, while our specialized services in Charitable Giving ensure your financial house is in order. Whether you are seeking Travel Insurance for your next adventure or Super Visa Insurance for family visits, Intutiv provides the holistic support you need to thrive.

About Us

Simply Smarter Coverage.

You shouldn’t have to be an expert to feel secure. Intutiv blends human expertise with effortless technology to make insurance easy to understand and even easier to use. We’ve redesigned the experience from the ground up to focus on what matters most: you, your family, and your peace of mind.

Our suite of services is designed to evolve with you. We offer comprehensive Term and Permanent Life Insurance—including ULIP and Wealth options—to secure your legacy, alongside Living Benefits like Critical Illness, Disability, and Health and Dental coverage to protect your quality of life. Beyond protection, our expert advisors manage diverse Investment portfolios, from Retirement and Children’s plans (RESP) to tax-efficient TFSA, RRSP, RIF, and Locked-in plans. For businesses, we provide robust Group Benefits, while our specialized services in Charitable Giving ensure your financial house is in order. Whether you are seeking Travel Insurance for your next adventure or Super Visa Insurance for family visits, Intutiv provides the holistic support you need to thrive.

Smart Solutions for Life’s Uncertainties

Our Products

At Intutiv, we believe insurance shouldn’t be a guessing game. Our products are designed to anticipate your needs and provide seamless protection that evolves with you. Explore our core coverage options designed for total peace of mind. We blend advanced technology with human expertise to make sure your coverage is as unique as your life. No matter where you are on your journey, we provide the clarity you need to move forward with confidence.

Smart Solutions for Life’s Uncertainties

Our Products

At Intutiv, we believe insurance shouldn’t be a guessing game. Our products are designed to anticipate your needs and provide seamless protection that evolves with you. Explore our core coverage options designed for total peace of mind. We blend advanced technology with human expertise to make sure your coverage is as unique as your life. No matter where you are on your journey, we provide the clarity you need to move forward with confidence.

Protection Plans

Protection Plans

Term Life Insurance

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Affordable, high-value protection for a set period. It secures your mortgage and family’s future during your most critical years.

Term Life Insurance

  • Term 10 (T10)
  • Term 20 (T20)
  • Term 30 (T30)
  • Term to 65
  • Term to 100 (non‑participating)
  • Renewable & Convertible Term Options
  • Joint Term (First‑to‑Die / Last‑to‑Die)
  • Term Riders (Child, Spousal, Additional Coverage)

Permanent Life Insurance

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Permanent, lifelong coverage that never expires. It protects your legacy while building guaranteed cash value for future financial flexibility.

Permanent Life Insurance

  •  Whole Life (Participating)
  • Whole Life (Non‑Participating)
  • Universal Life (Level Cost of Insurance)
  • Universal Life (Yearly Renewable Cost of Insurance)
  • Guaranteed Issue Permanent Life
  • Final Expense / Simplified Issue Permanent Life
  • Term‑to‑100 (T100)

Term Life Insurance

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Affordable, high-value protection for a set period. It secures your mortgage and family’s future during your most critical years.

Term Life Insurance

  • Term 10 (T10)
  • Term 20 (T20)
  • Term 30 (T30)
  • Term to 65
  • Term to 100 (non‑participating)
  • Renewable & Convertible Term Options
  • Joint Term (First‑to‑Die / Last‑to‑Die)
  • Term Riders (Child, Spousal, Additional Coverage)

Permanent Life Insurance

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Permanent, lifelong coverage that never expires. It protects your legacy while building guaranteed cash value for future financial flexibility.

Permanent Life Insurance

  • Whole Life (Participating)
  • Whole Life (Non‑Participating)
  • Universal Life (Level Cost of Insurance)
  • Universal Life (Yearly Renewable Cost of Insurance)
  • Guaranteed Issue Permanent Life
  • Final Expense / Simplified Issue Permanent Life
  • Term‑to‑100 (T100)

Living Benefits

Critical Illness

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A tax-free lump sum payment upon diagnosis of a serious illness, allowing you to focus on recovery, not bills.

Critical Illness

• Basic Critical Illness Coverage
• Enhanced Critical Illness Coverage
• Child Critical Illness Coverage
• Stand‑Alone Critical Illness Plans
• Critical Illness Riders (add‑ons to Life Insurance)
Riders:
• Return of Premium on Death (ROPD) – Rider
• Return of Premium on Cancellation (ROPC) – Rider
• Return of Premium on Expiry (ROPE) – Rider

Disability

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Reliable income replacement that pays your monthly expenses if an injury or illness prevents you from working and earning.

Disability

  • Long‑Term Disability Insurance (LTD)
  • Short‑Term Disability Insurance (STD)
  • Own‑Occupation Disability Coverage
  • Any‑Occupation Disability Coverage
  • Guaranteed Issue Disability Plans
  • Simplified Issue Disability Plans
  • Business Overhead Expense (BOE) Disability Coverage
  • Disability Insurance for Self‑Employed Professionals
  • Riders
  • Return of Premium – Rider
  • Future Income Option (FIO) – Rider
  • Cost of Living Adjustment (COLA) – Rider
  • Partial/Residual Disability Benefit – Rider
  • Waiver of Premium – Rider

Health and Dental

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Essential coverage for prescriptions, vision, and dental care that fills the gaps left by government provincial health plans.

Health & Dental

  • Health & Dental Insurance Plans
  • Prescription Drug Coverage
  • Dental Care Coverage (Basic, Comprehensive)
  • Vision Care Coverage
  • Extended Health Care Benefits
  • Hospital & Medical Services Coverage
  • Paramedical Services Coverage (chiropractor, physiotherapy, massage therapy, etc.)
  • Travel Medical Insurance (Emergency Health)
  • Health Spending Accounts (HSA)
  • Riders
  • Enhanced Drug Coverage – Rider
  • Enhanced Dental Coverage – Rider
  • Out‑of‑Country Emergency Medical – Rider

Critical Illness

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A tax-free lump sum payment upon diagnosis of a serious illness, allowing you to focus on recovery, not bills.

Critical Illness

• Basic Critical Illness Coverage
• Enhanced Critical Illness Coverage
• Child Critical Illness Coverage
• Stand‑Alone Critical Illness Plans
• Critical Illness Riders (add‑ons to Life Insurance)
Riders:
• Return of Premium on Death (ROPD) – Rider
• Return of Premium on Cancellation (ROPC) – Rider
• Return of Premium on Expiry (ROPE) – Rider

Disability

_____________
Reliable income replacement that pays your monthly expenses if an injury or illness prevents you from working and earning.

Disability

  • Long‑Term Disability Insurance (LTD)
  • Short‑Term Disability Insurance (STD)
  • Own‑Occupation Disability Coverage
  • Any‑Occupation Disability Coverage
  • Guaranteed Issue Disability Plans
  • Simplified Issue Disability Plans
  • Business Overhead Expense (BOE) Disability Coverage
  • Disability Insurance for Self‑Employed Professionals
  • Return of Premium – Rider
  • Future Income Option (FIO) – Rider
  • Cost of Living Adjustment (COLA) – Rider
  • Partial/Residual Disability Benefit – Rider
  • Waiver of Premium – Rider

Health and Dental

_____________
Essential coverage for prescriptions, vision, and dental care that fills the gaps left by government provincial health plans.

Health & Dental

  • Health & Dental Insurance Plans
  • Prescription Drug Coverage
  • Dental Care Coverage (Basic, Comprehensive)
  • Vision Care Coverage
  • Extended Health Care Benefits
  • Hospital & Medical Services Coverage
  • Paramedical Services Coverage (chiropractor, physiotherapy, massage therapy, etc.)
  • Travel Medical Insurance (Emergency Health)
  • Health Spending Accounts (HSA)
  • Riders
  • Enhanced Drug Coverage – Rider
  • Enhanced Dental Coverage – Rider
  • Out‑of‑Country Emergency Medical – Rider

Investments

Retirement Plans

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A strategic roadmap designed to convert your career earnings into a steady, predictable income for a stress-free future.

Retirement Plans

We offer a range of retirement planning solutions designed to help individuals build long‑term financial security and transition confidently into their retirement years. Our options include flexible savings and income strategies, investment‑based retirement solutions, and tools to support wealth preservation and steady income throughout retirement. Clients can choose from a variety of plans tailored to different life stages, goals, and risk preferences, with optional features that enhance guarantees, income stability, and long‑term protection.

Children’s Plans

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Comprehensive financial protection and savings strategies that guarantee your child's future is secure, no matter what happens to you.

Children’s Plans

We offer children’s savings and protection plans designed to support long‑term growth, future education needs, and financial security from an early age. These solutions provide flexible ways for families to build savings, protect against unexpected events, and create a strong financial foundation for their child’s future. Options include investment‑focused plans, insurance‑based protection, and customizable features that help parents and guardians plan confidently for education, milestones, and lifelong financial well‑being.

RESP (Education Savings)

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A government-assisted savings plan designed to maximize grants and fund your child’s post-secondary education with tax-sheltered growth.

RESP (Education Savings)

We offer Registered Education Savings Plans (RESPs) designed to help families build dedicated savings for a child’s post‑secondary education. These plans provide a structured way to grow contributions over time while benefiting from government grants and tax‑advantaged growth. With flexible investment options and contribution strategies, RESPs support long‑term planning and help parents, guardians, and loved ones create a strong financial foundation for future education goals

Retirement Plans

_____________
A strategic roadmap designed to convert your career earnings into a steady, predictable income for a stress-free future.

Retirement Plans

We offer a range of retirement planning solutions designed to help individuals build long‑term financial security and transition confidently into their retirement years. Our options include flexible savings and income strategies, investment‑based retirement solutions, and tools to support wealth preservation and steady income throughout retirement. Clients can choose from a variety of plans tailored to different life stages, goals, and risk preferences, with optional features that enhance guarantees, income stability, and long‑term protection.

Children’s Plans

_____________
Comprehensive financial protection and savings strategies that guarantee your child's future is secure, no matter what happens to you.

Children’s Plans

We offer children’s savings and protection plans designed to support long‑term growth, future education needs, and financial security from an early age. These solutions provide flexible ways for families to build savings, protect against unexpected events, and create a strong financial foundation for their child’s future. Options include investment‑focused plans, insurance‑based protection, and customizable features that help parents and guardians plan confidently for education, milestones, and lifelong financial well‑being.

RESP (Education Savings)

_____________
A government-assisted savings plan designed to maximize grants and fund your child’s post-secondary education with tax-sheltered growth.

RESP (Education Savings)

We offer Registered Education Savings Plans (RESPs) designed to help families build dedicated savings for a child’s post‑secondary education. These plans provide a structured way to grow contributions over time while benefiting from government grants and tax‑advantaged growth. With flexible investment options and contribution strategies, RESPs support long‑term planning and help parents, guardians, and loved ones create a strong financial foundation for future education goals

TFSA (Tax-Free Savings)

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The most flexible way to grow your investments and withdraw funds at any time without ever paying a cent in tax.

TFSA (Tax-Free Savings)

We offer Tax‑Free Savings Accounts (TFSAs) that provide a flexible and tax‑efficient way to save and invest for short‑ or long‑term goals. Contributions grow tax‑free, and withdrawals can be made at any time without affecting eligibility for government benefits. With a range of investment options and the ability to recontribute withdrawn amounts in future years, TFSAs offer a versatile solution for building savings, managing cash flow, and supporting overall financial planning.

Locked-In Plans

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Securely manage and grow pension funds from previous employers while maintaining the regulatory requirements for your future retirement income.

Locked-In Plans

Locked‑in plans provide a structured way to preserve and grow pension funds that have been transferred from a former employer’s retirement plan. These accounts are designed to support long‑term retirement income, offering investment flexibility while maintaining rules that protect the funds until retirement age. With options tailored to different provinces and retirement needs, locked‑in plans help individuals manage pension assets, plan for future income, and maintain financial security throughout their retirement years.

RRSP (Retirement Savings)

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Reduce your immediate tax bill while building a dedicated nest egg that grows tax-deferred until you are ready to retire.

RRSP (Retirement Savings)

A Registered Retirement Savings Plan (RRSP) offers a tax‑efficient way to save and invest for long‑term retirement goals. Contributions may be tax‑deductible, and investment growth is tax‑deferred until withdrawal, helping individuals build retirement savings more effectively over time. With flexible investment options and the ability to tailor contributions to personal financial goals, RRSPs provide a structured foundation for long‑term planning and future income security.

TFSA (Tax-Free Savings)

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The most flexible way to grow your investments and withdraw funds at any time without ever paying a cent in tax.

TFSA (Tax-Free Savings)

We offer Tax‑Free Savings Accounts (TFSAs) that provide a flexible and tax‑efficient way to save and invest for short‑ or long‑term goals. Contributions grow tax‑free, and withdrawals can be made at any time without affecting eligibility for government benefits. With a range of investment options and the ability to recontribute withdrawn amounts in future years, TFSAs offer a versatile solution for building savings, managing cash flow, and supporting overall financial planning.

Locked-In Plans

_____________
Securely manage and grow pension funds from previous employers while maintaining the regulatory requirements for your future retirement income.

Locked-In Plans

Locked‑in plans provide a structured way to preserve and grow pension funds that have been transferred from a former employer’s retirement plan. These accounts are designed to support long‑term retirement income, offering investment flexibility while maintaining rules that protect the funds until retirement age. With options tailored to different provinces and retirement needs, locked‑in plans help individuals manage pension assets, plan for future income, and maintain financial security throughout their retirement years.

RRSP (Retirement Savings)

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Reduce your immediate tax bill while building a dedicated nest egg that grows tax-deferred until you are ready to retire.

RRSP (Retirement Savings)

A Registered Retirement Savings Plan (RRSP) offers a tax‑efficient way to save and invest for long‑term retirement goals. Contributions may be tax‑deductible, and investment growth is tax‑deferred until withdrawal, helping individuals build retirement savings more effectively over time. With flexible investment options and the ability to tailor contributions to personal financial goals, RRSPs provide a structured foundation for long‑term planning and future income security.

RRIF (Retirement Income Fund)

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The final stage of retirement planning, turning your accumulated savings into a consistent, scheduled "paycheck" for your senior years.

RRIF (Retirement Income Fund)

A Registered Retirement Income Fund (RRIF) provides a structured way to convert retirement savings into a steady stream of income during retirement. Funds transferred from an RRSP continue to grow on a tax‑deferred basis, while scheduled withdrawals offer flexibility in managing cash flow and long‑term financial needs. With a range of investment options and the ability to tailor withdrawal strategies, RRIFs help individuals maintain financial stability and support their lifestyle throughout retirement.

RRIF (Retirement Income Fund)

_____________
The final stage of retirement planning, turning your accumulated savings into a consistent, scheduled "paycheck" for your senior years.

RRIF (Retirement Income Fund)

A Registered Retirement Income Fund (RRIF) provides a structured way to convert retirement savings into a steady stream of income during retirement. Funds transferred from an RRSP continue to grow on a tax‑deferred basis, while scheduled withdrawals offer flexibility in managing cash flow and long‑term financial needs. With a range of investment options and the ability to tailor withdrawal strategies, RRIFs help individuals maintain financial stability and support their lifestyle throughout retirement.

Group Insurance

Group Insurance

Life & Protection

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Covers financial protection for families and dependents.
Includes: Life Insurance, Disability Insurance, Critical Illness, AD&D

Life & Protection

Comprehensive coverage that protects what matters most. From life and disability insurance to critical illness and AD&D, these solutions provide financial security when your family needs it most.

Investment & Savings

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Focuses on long‑term financial growth and security.
Includes: RRSP, TFSA, RESP, RDSP, Group Retirement Plans, Mutual Funds, Seg Funds.

Investments & Savings

Smart, long‑term savings options designed to help you grow and protect your wealth. Whether you're planning for retirement, education, or future goals, our investment products offer flexibility and stability.

Health & Wellness

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Flexible, tax‑advantaged benefits for health‑related expenses. Includes: Health Spending Accounts (HSA), Wellness Spending Accounts (WSA), Lifestyle Accounts.

Health & Wellness Accounts

Flexible, tax‑efficient accounts that support your health and lifestyle needs. HSAs, WSAs, and Lifestyle Accounts empower you to choose the care and services that fit your life.

Life & Protection

_____________
Covers financial protection for families and dependents.
Includes: Life Insurance, Disability Insurance, Critical Illness, AD&D

Life & Protection

Comprehensive coverage that protects what matters most. From life and disability insurance to critical illness and AD&D, these solutions provide financial security when your family needs it most.

Investment & Savings

_____________
Focuses on long‑term financial growth and security.
Includes: RRSP, TFSA, RESP, RDSP, Group Retirement Plans, Mutual Funds, Seg Funds.

Investments & Savings

Smart, long‑term savings options designed to help you grow and protect your wealth. Whether you're planning for retirement, education, or future goals, our investment products offer flexibility and stability.

Health & Wellness

_____________
Flexible, tax‑advantaged benefits for health‑related expenses. Includes: Health Spending Accounts (HSA), Wellness Spending Accounts (WSA), Lifestyle Accounts.

Health & Wellness Accounts

Flexible, tax‑efficient accounts that support your health and lifestyle needs. HSAs, WSAs, and Lifestyle Accounts empower you to choose the care and services that fit your life.

Other Plans

Debt Solutions

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Customized strategies to restructure liabilities, reduce interest, and clear your path toward a debt-free, financially stable future.

Debt Solutions

Customized strategies to restructure liabilities, reduce interest, and clear your path toward a debt-free, financially stable future.

Charitable Giving

_____________
Tax-efficient strategies that allow you to support the causes you love while maximizing your estate's value for heirs.

Charitable Giving

Tax-efficient strategies that allow you to support the causes you love while maximizing your estate's value for heirs.

Estate Planning

_____________
A comprehensive plan to minimize taxes and legal fees, ensuring your hard-earned assets are transferred smoothly to your beneficiaries.

Estate Planning

A comprehensive plan to minimize taxes and legal fees, ensuring your hard-earned assets are transferred smoothly to your beneficiaries.

Debt Solutions

_____________
Customized strategies to restructure liabilities, reduce interest, and clear your path toward a debt-free, financially stable future.

Debt Solutions

Customized strategies to restructure liabilities, reduce interest, and clear your path toward a debt-free, financially stable future.

Charitable Giving

_____________
Tax-efficient strategies that allow you to support the causes you love while maximizing your estate's value for heirs.

Charitable Giving

Tax-efficient strategies that allow you to support the causes you love while maximizing your estate's value for heirs.

Estate Planning

_____________
A comprehensive plan to minimize taxes and legal fees, ensuring your hard-earned assets are transferred smoothly to your beneficiaries.

Estate Planning

A comprehensive plan to minimize taxes and legal fees, ensuring your hard-earned assets are transferred smoothly to your beneficiaries.

Travel Insurance

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Emergency medical and trip protection that covers you globally, so you can explore the world with total peace of mind.

Travel Insurance

  • Emergency Medical Travel Insurance
  • Trip Cancellation Insurance
  • Trip Interruption Insurance
  • All‑Inclusive Travel Insurance Packages
  • Visitors to Canada Insurance
  • International Student Travel Insurance
  • Snowbird & Long‑Stay Travel Coverage
  • Multi‑Trip Annual Travel Plans
  • Single‑Trip Travel Plans

Super Visa Insurance

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Mandatory, high-limit medical coverage specifically designed for parents and grandparents visiting Canada for extended periods of time.

Super Visa Insurance

  • Emergency Medical Coverage for Super Visa Applicants
  • Comprehensive Health Coverage for Parents & Grandparents
  • Single‑Entry and Multi‑Entry Super Visa Plans
  • Long‑Term Coverage Options (Up to 1 Year, Renewable)
  • Plans with Flexible Deductibles and Coverage Limits
  • Pre‑Existing Condition Coverage Options (Based on Eligibility)
  • Travel Medical Coverage for Extended Stays in Canada
  • Trip Break Coverage – Rider
  • Accidental Death & Dismemberment – Rider
  • Enhanced Emergency Return Coverage – Rider

Ready to Experience Insurance That Just Gets You?

Your journey to smarter, simpler protection starts with a few clicks. No paperwork, no waiting—just the coverage you deserve.

Instant Intelligence

Receive a personalized coverage blueprint tailored to your specific lifestyle or business needs in seconds.

Real-Time Flexibility

See how your rates can adapt to you, giving you total control over your premiums from day one.

Privacy First

Your data is encrypted and used only to build your perfect policy. Fast, secure, and entirely paperless.

Why INTUTIV

Predictive Policy Architecture

Frictionless Entry

Human Expertise on Demand

Claims Processed in Real-Time

Transparent Pricing

Proactive Risk Prevention

Digital-First Infrastructure

Flexible Coverage Scaling

Dynamic Coverage Sync

Bank-Grade Security

The "Intuition" Discount

What Our Client's
Say And Think

Real stories from individuals and families who have secured their financial future with Intutiv. Discover why our clients trust us to protect what matters most. We pride ourselves on turning complex financial decisions into clear, actionable plans tailored to your unique life journey. Join the hundreds of Canadians who have found clarity and confidence through our dedicated expertise.

Proven Strength in Protecting Your Future

We have provided expert guidance and reliable protection to help families secure their financial futures. We remain committed to safeguarding your legacy with integrity and personalized support for many more years to come.

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Redefining Financial Advice Through Clarity and Care.

At Intutiv, we believe financial planning shouldn’t be a puzzle. We bridge the gap between complex insurance products and your personal goals, providing a seamless experience built on trust, transparency, and tailored strategies.

We prioritize your unique story over numbers, ensuring every recommendation perfectly aligns with your personal life goals.

We strip away the financial jargon to provide straightforward advice that is easy to understand and act upon.

We shop the entire market independently to find the most competitive rates and coverage tailored specifically for you.

We remain your dedicated partner, providing ongoing support and plan updates as your life and needs evolve.

Always Synchronized With Your Schedule

Monday 08:00 AM - 05:00 PM
Tuesday 08:00 AM - 05:00 PM
Wednesday 08:00 AM - 05:00 PM
Thursday 08:00 AM - 05:00 PM
Friday 08:00 AM - 05:00 PM
Saturday 08:00 AM - 01:00 PM
Sunday Closed

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Intutiv combines predictive technology with licensed expertise to deliver fast, transparent, and personalized insurance that stays one step ahead of your needs

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About Us

Intutiv combines predictive technology with licensed expertise to deliver fast, transparent, and personalized insurance that stays one step ahead of your needs

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