Life Insurance

  • Term Insurance
  • Permanent Whole Life Insurance
  • Universal Life Insurance

Living Benefits

  • Disability Insurance
  • Critical Illness Insurance
  • Long Term Care

Group Insurance

  • Employee Benefits
  • Company RRSP / Pension / DPSP
  • VIP Private Medical Coverage

Why Ten O Eight?

The name ‘Ten O Eight’ is rooted in the significance of perfect timing. In the world of watchmaking, 10:08 is often regarded as the ideal moment—when the hour and minute hands are symmetrically positioned, ensuring clarity and balance. If you’ve ever noticed watch advertisements, you’ll find they frequently showcase this time. We apply the same principle to financial security: balanced, strategic, and always focused on the right moment. In the insurance world, the best time to safeguard your future was yesterday. The second best time? Today.

At Ten O Eight, we begin by understanding your life’s blueprint—your aspirations, responsibilities, and financial goals. From protecting your income and mortgage to securing your children’s education, retirement, and business continuity, we develop strategies that anticipate life’s surprises while keeping you in control. Your vision is our priority, and we make sure your financial security stands strong, no matter what comes your way.

Our Services

Income & Asset Protection

From life and health insurance to disability and critical illness coverage, our policies are designed to give you peace of mind...

Strategic Retirement Planning

Entrepreneurs and business owners rely on us for strategies that safeguard their operations, ensuring seamless succession and...

Estate & Legacy Planning

Your legacy deserves thoughtful planning. Our experts guide you in structuring your estate to maximize wealth...

Employee Benefit Plans

We design employee benefit programs and corporate retirement plans that attract talent and ensure financial security for your workforce.

Client Testimonials

Here is what some of our clients have to say about our services.

Barb Komarnicki
01:35 22 Jan 25
Honest and available. Joey Hadari from Ten O Eight Insurance provided his time over about 3 meetings and other phone calls and texts to help me find the best medical insurance plans to meet my needs. He was patient and answered my questions. His answers and suggestions were clear. He kept very good records of our conversations. He gave advice that would be in my best interests vs any particular company. I would refer Joey to anyone who is seeking assistance with any financial and estate planning or related activities.
Alyna Makarenko
20:58 20 Dec 24
Joey Hadari is an exceptional insurance advisor! He made the process of setting up our insurance simple and stress-free, answering all our questions with patience and clarity. His attention to detail and ability to understand our family’s needs were remarkable. The digital delivery of documents was so convenient, and Joey always made himself available for follow-ups. Highly recommend him to anyone looking for a trustworthy and professional advisor!
Makarenko Oleksandr
20:28 11 Dec 24
Joey Hadari is an outstanding insurance advisor! He’s professional, knowledgeable, and genuinely cares about his clients. Joey made the entire process seamless and stress-free, explaining everything clearly and providing excellent support. The digital delivery of documents was incredibly convenient, and his communication is always prompt and helpful. Highly recommend Joey for anyone seeking top-notch insurance advice!
Joey at Ten O Eight nailed it! We had a chat about my medical expenses, those of my husband, we reviewed yearly spends and he came back with 3 options for medical coverage! He also drilled into the options highlighting differences. Amazing service!!! Brokers really have your back!
Scott King
14:13 03 Oct 24
In a very short time, I realized that Joey is highly knowledgeable in corporate insurance and tax strategies. If you're looking for an advisor who is passionate, fully engaged and has your best interests at heart, I highly recommend booking a conversation with Joey!
Michael Orrett
18:03 01 Oct 24
I had a fantastic experience with Joey Hadari! He was incredibly professional and patient, never pushy. Joey took the time to understand my needs and found the perfect product for me. I loved his approach and am very pleased with the service I received. Highly recommend!

Why Choose Ten O Eight?

  • Unmatched Value – Our services offer competitive rates without compromising on quality. Get top-tier financial protection at the best value.
  • Expertise & Experience – With years of experience in financial planning and insurance, we provide trusted guidance backed by industry expertise.
  • Tailored Financial Solutions – Every client is unique, and so is our approach. We design strategies that align with your specific needs and goals.
  • Client-Centric Approach – We prioritize your financial security, ensuring transparency, clarity, and proactive communication in every decision.
  • Fast & Efficient Service – We respect your time and ensure a seamless, hassle-free experience with quick turnaround times on inquiries, quotes, and policy approvals.
  • Commitment to Excellence – We uphold the highest standards, delivering reliable, innovative financial solutions designed to keep you secure in an ever-changing world.

Let Us Protect Your Plans

Take charge of your financial future today with customized solutions, expert advice, and a proactive security and wealth management approach.

Joey Hadari B.Mgmt, GBA Principal

Joey grew up around small business owners and learned the importance of planning ahead. He watched as owners planned to work hard, build successful companies, build a strong team culture – and get stuck when life threw a curve ball. Disability, illness or death make it very difficult to run a business and many questions arise – who will run the operations? How will we service clients? What about our staff? What will happen to my family?

In addition to earning his Bachelor of Management (m. Entrepreneurship & Innovation) and earning the Group Benefits Associate designation, Joey is a lifelong learner. He plans to continue his formal education in the areas of tax minimization, estate planning and strategic philanthropy. Joey is a proud member of the Canadian Group Insurance Brokers, Advisorcraft, and is a committee member at The Petroleum Club.

FAQ's Ten O Eight

We are a boutique, unbiased brokerage specializing in life insurance, retirement, and estate planning. Unlike large financial institutions, we focus exclusively on insurance solutions, providing unique strategies tailored to your long term goals without conflicts of interest.

No, we are fully independent. This allows us to access the Canadian insurance market and structure the best policies, coverage, pricing and outcomes to meet your specific needs.

Group life insurance is a great benefit, but it’s often limited and can act as a supplement to your income and retirement protection. A personal policy ensures you have long-term, customizable coverage that protects your family that you control.

Certain types of cash value life insurance build equity that grow tax-advantaged. These funds can be accessed now, later for retirement, wealth transfer, or other financial needs.

Life insurance can provide tax-free supplemental income, protect your estate from taxation, and offer financial stability in retirement. It’s an essential tool for securing your financial future beyond RRSPs and TFSAs.

Absolutely. Properly structured policies can provide tax-free income, minimize capital gains taxes on assets, and ensure efficient wealth transfer to your heirs.

Business owners use life insurance to fund buy-sell agreements, ensure business continuity, and provide liquidity for their heirs, preventing a forced sale of assets.

The right coverage depends on your income, debts, family needs, and estate goals. We conduct a personalized needs analysis to find the best balance between affordability and protection.

Yes! Many Canadian insurers offer specialized policies for those with health conditions. We work with a range of providers to find the best possible coverage for your situation.

The first step is a no-obligation consultation where we assess your needs, review your current coverage, and develop a personalized strategy to protect your wealth and your family’s future.

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