Life Insurance & Group Benefits · Ontario
Protect What Matters. Live With Confidence.
Personalized life insurance and group benefits solutions for Ontario families, professionals, and business owners.
At Protect with Oneil, insurance starts with understanding what matters most to you. We provide personalized guidance, clear explanations, and access to insurance options designed around your needs and priorities—all without pressure.
Real Conversations. Real Options. No Pressure.
Our Solutions
Protection for Every Stage of Life.
From protecting your family to supporting your employees, discover insurance solutions designed for life's important responsibilities.
Life Insurance
Explore life insurance options that can help provide financial support for the people who depend on you.
Group Benefits
Support your employees with workplace benefits solutions tailored to your business and team.
Mortgage Protection
Explore insurance strategies designed to help your loved ones manage mortgage obligations if the unexpected happens.
Final Expense Insurance
Plan ahead for potential end-of-life expenses and help reduce the financial burden on loved ones.
Permanent Life Insurance
Learn how whole life and universal life insurance may fit into your long-term protection goals.
Coverage Review
Understand your existing insurance coverage and identify areas that may deserve a closer look.
Meet Your Advisor
No Pressure. Just a Conversation.
Insurance is personal, and choosing the right protection deserves more than a quick sales pitch.
My approach is simple: listen first, understand your priorities, explain your options, and help you make informed decisions.
Whether you're protecting your family, reviewing existing coverage, or exploring group benefits for your business, I'm here to guide you through the process with professionalism, honesty, and care.
O’Neil Creighton
Life Insurance & Group Benefits Advisor
Why Protect with Oneil
Insurance Advice Built Around You.
Personalized Guidance
Recommendations based on your needs, goals, and circumstances.
Multiple Insurance Options
Explore solutions from available insurance providers rather than relying on a single product.
Education Before Decisions
Understand important policy features, exclusions, costs, and trade-offs.
No-Pressure Consultations
Ask questions and explore your options without feeling rushed.
Long-Term Relationships
Receive ongoing support as your circumstances and coverage needs evolve.
Premiums, coverage approval and claim outcomes are determined by the insurer and cannot be guaranteed.
Life Insurance
Because Their Tomorrow Matters.
The people who depend on you today may still need financial support tomorrow. Life insurance can help your loved ones manage financial obligations and plan for the future if you pass away.
- Term life insurance
- Whole life insurance
- Universal life insurance
- Final expense coverage
- Mortgage protection strategies
Group Benefits
Benefits That Work for Your Team.
Your employees are an important part of your business. A well-designed group benefits program can support employee well-being and strengthen your overall compensation offering.
- Health and dental benefits
- Group life insurance
- Disability insurance
- Employee benefits reviews
- Customized group benefits solutions
Availability and coverage depend on the insurer, plan design, eligibility and policy terms.
Coverage Check
Your Work Benefits May Not Follow You.
Group insurance through an employer is valuable, but it is usually tied to your job. If you change employers, are laid off, retire, or your hours change, your workplace coverage may change or end.
Portability
Some plans allow certain coverage to be continued for a period after you leave, often at a different cost. Whether this is available depends on your specific plan.
Conversion options
Some group life plans let you convert to an individual policy within a set window, sometimes without new medical questions. Terms and deadlines vary by plan.
Deadlines matter
Conversion and continuation windows can be short. Review your plan booklet and speak with your plan administrator before your coverage ends.
How It Works
Getting Started Is Simple.
1
Book a Consultation
Schedule a complimentary conversation.
2
Discuss Your Needs
Review your goals, financial responsibilities, and existing coverage.
3
Explore Your Options
Compare appropriate insurance solutions and understand the key differences.
4
Make an Informed Decision
Choose whether to apply for coverage that aligns with your priorities.
Coverage is subject to insurer underwriting, eligibility, policy terms, and approval.
Free Consultation
Your Future Deserves a Plan.
Protecting what matters starts with understanding your options. Let’s discuss your insurance needs and explore solutions that make sense for you.
Coverage is subject to insurer underwriting, eligibility, policy terms and approval.