At McInroy & Associates Private Wealth Management, insurance planning is about foresight. For families and business owners across Bobcaygeon, Kawartha Lakes, Haliburton, and Peterborough, we craft insurance strategies that protect everything you’ve worked for. When life throws the unexpected your way, the right insurance plan keeps your goals on track and your legacy intact.
We work with high-net-worth individuals, professionals, and entrepreneurs who need more than generic coverage. You deserve a plan that reflects your real life—complex, evolving, and worth protecting at every stage.
Life insurance: Quiet strength when it’s needed most
Life insurance is one of the most powerful financial tools you can own. It ensures your loved ones are financially protected if you’re no longer here. But beyond the basics, life insurance plays a key role in estate planning, tax efficiency, and business continuity.
Whether you're a business owner funding a buy-sell agreement, a parent securing your family’s future, or a retiree planning for wealth transfer, we build policies that align with your broader goals. As trusted providers of life insurance in Peterborough and surrounding areas, we make sure your plan is more than a payout—it’s peace of mind for generations.
Critical illness insurance: Protecting your health and your finances
A cancer diagnosis, heart attack, or stroke can happen to anyone—without warning. Critical illness insurance provides a lump-sum payment that allows you to focus on recovery. Use it for treatments, travel, support for your family, or simply to stay afloat while you heal.
We help you understand which conditions are covered, how the payouts work, and how to fit this coverage into your full financial picture. Because protecting your wealth means protecting your health—and the time it takes to recover from life’s biggest shocks.
Disability insurance: Your income deserves protection
Your income fuels your entire financial plan. So what happens if illness or injury leaves you unable to work? Disability insurance ensures your income doesn’t disappear if you can’t earn it. It replaces a portion of your salary so your mortgage gets paid, your lifestyle remains stable, and your long-term goals stay in reach.
For high-earning professionals and business owners in Peterborough, Bobcaygeon, Kawartha Lakes, and Haliburton, this isn’t optional—it’s essential. We’ll help you assess the right coverage, structure your policy properly, and protect your earning power when you need it most.
High-net-worth insurance: Precision protection for complex lives
The more you build, the more there is to protect. High-net-worth insurance planning is about nuanced strategies that guard your estate, reduce taxes, and preserve family wealth. We review your entire financial picture—including corporations, trusts, real estate, and private investments—to ensure every risk is accounted for.
Whether it’s structuring permanent life insurance to reduce estate taxes or using insurance to fund charitable giving, we develop plans that work across generations.
Estate preservation through insurance
You’ve worked hard to build a legacy—but without a plan, estate taxes and final expenses can erode it quickly. Insurance offers a way to transfer wealth efficiently and privately, while protecting your heirs from avoidable costs and delays.
We use life insurance strategically to:
Cover estate taxes
Equalize inheritances
Fund charitable donations
Preserve family cottages or farmland
Create liquidity in illiquid estates
At McInroy & Associates, we design plans that help your wealth move smoothly from one generation to the next—without unnecessary tax or conflict.
Annuities: Retirement income you can count on
Annuities can transform part of your retirement savings into guaranteed, predictable income. Whether you’re looking to cover fixed expenses or add a layer of stability to your retirement plan, we’ll help you evaluate how annuities fit into your income strategy.
Annuities aren’t for everyone—but for the right person, they offer security, simplicity, and peace of mind.
Plans as unique as the people we serve
Your life is valuable, your business is complex, and your family is important. That’s why we take the time to build insurance plans that reflect your specific situation.
We’ve helped clients across Peterborough, Haliburton, Bobcaygeon, and Kawartha Lakes protect what matters most—by asking the right questions and designing solutions that evolve with life.
Protection built on personal connection
Our approach to insurance is rooted in relationships. Our clients trust us to be part of their lives—not just their financial plan. That trust is why we do what we do.