Life Insurance Services

Sheppard Insurance offers the very best solutions available in the marketplace today.

Excel Sheppard Insurance is committed to the exclusive needs of our clients and institutional partners. At Excel Sheppard Insurance, we pride ourselves on being able to offer the very best solutions available in the marketplace today. We achieve this through independence and access to many of the country's top providers. By having access to all companies and products, we are able to offer the best strategies possible everybody's unique needs.

Whether you're looking to protect your family or an organization of 20,000 employees, we will work with you to gain a full understanding of your needs. This will provide us with the details needed to research and shop the marketplace. We can then deliver the very best solution for you or your organization.


Employer Key Person Insurance

Key Person Life Insurance/ Key Person Critical Illness coverage

An employer may take out a key person insurance policy on the life or health of any employee whose knowledge, work, or overall contribution is considered uniquely valuable to the company. The employer does this to offset the costs (such as hiring temporary help or recruiting a successor) and losses (such as a decreased ability to transact business until successors are trained) which the employer is likely to suffer in the event of the loss of a key person.

Business Succession Planning

Use life insurance as a source of funding to provide for the needs of the business upon the death of the business owner, a key executive, or shareholder.


A life insurance policy ensures that the buy-sell arrangement is well funded and guarantees that there will be money when the buy-sell event is triggered due to a shareholders death.

Executive Compensation

A bonus can be paid into a life policy and grow tax sheltered.  


True Independence

We have access to the top 15 life insurance company in Canada. This allows us to offer the most suitable and competitively priced products to our clients.

Term Insurance

Term life insurance provides coverage for a fixed time period. Upon expiry of that set time period, the policy can be allowed to expire, or in most cases it can be renewed.

Examples of use for Term insurance may be covering large purchases such as a home, or a business, to protect a young family's future, or to finance final estate expenses.

Whole Life Insurance

Whole life provides insurance coverage for the contract holder for their entire life. Upon the inevitable death of the contract holder, the insurance payout is made to the contract's beneficiaries. These policies also include a savings component, which accumulates a cash value. This cash value is one of the key elements of whole life insurance.

Whole Life can be used for covering final estate expenses, assisting in retirement planning, and assist business owners.

Critical Illness Insurance

Critical illness insurance is designed to help financially support patients before, during and after treatment by providing a lump-sum benefit when a critical illness is diagnosed.

Disability Insurance

Disability coverage is designed to address your needs and protect your ability to earn an income, something that could be jeopardized the second a disability strikes.

Mortgage Insurance

Mortgage insurance is a type of term insurance that compensates the property owner for losses caused by death.

Long-Term Care

This insurance protects your retirement plans and gives you flexibility and control when making decisions about the care you need, when you need it.  Services may include nursing care, rehabilitation, therapy, and personal care.

Tax Sheltering Solutions

Through a Life Insurance Policy you can shelter financial growth and limit any Income tax payable.


An annuity is the simplest retirement income option. In exchange for a sum of money paid, the annuity will provide you with a fixed income stream.  

Employee Benefits

This is a cost effective and tax efficient method of providing a health plan for your employees.  Most plans include health and dental coverage and various other options.

Life Insurance Quotes


Dedicated to providing quality insurance products

We aim to establish a long-term partnership based on respect and trust with clients, suppliers and employees.

Dedicated to providing quality insurance products

We aim to establish a long-term partnership based on respect and trust with clients, suppliers and employees.