Unique Situations


TAL is considered a leader in special risk benefits for group plans. TAL has helped design and initiate unique special risk insurance products for corporations, associations and unionized groups whom need to provide additional financial security and benefit to employees. Some are stand-alone, while others can be integrated with a group insurance program. TAL will help you re-evaluate your current plan with a view to enhancing coverage while simultaneously providing competitive cost alternatives and consolidation of benefits into large risk pools through a specialty insurer.

Health and Disability

  • Critical illness plans.
  • Hospital cash plans.
  • Long term care.
  • Top-up disability insurance for executives.
  • Emergency out-of-province medical benefits.
  • Family Assistance Plans.


Whether your needs are for key man, partnership or personal life insurance, we are able to design individual plans tailored to your needs.


If your employees travel for work, regular travel insurance often cannot provide the protection and coverage they need, and you may need to consider special risk insurance. TAL provides analysis, consultation and solutions for customized group travel benefits that offer peace of mind in the event of an emergency.