Hardship
Investment | Family | Retirement | Hardship
These protections can make a big difference in your life and the lives of those who are dependent on you.
Thing to Consider
- When was the last time someone, not involved in your planning, gave you a second opinion as to whether or not you have covered all the bases? Do you have a financial plan? Do you have a will? Power of Attorney?
- What do you want to accomplish with your life? Why are you here? What is your purpose?
- What does financial security mean to you?
- What does financial freedom mean to you?
Life Insurances
Participating Life Insurance
This insurance combines permanent life insurance with a tax-advantaged accumulation component. It is built on a foundation of guaranteed values, including guarantees on basic premium, death benefit and basic cash value. Participating life insurance is particularly attractive to clients who:
- Have low to moderate risk tolerance (for at least a portion of their total investment portfolio)
- Don't want to be actively involved in the day-to-day management of the investment component of their life insurance policy
- Are attracted by the historical long-term stability and performance of the rate of return on participating account assets.
- Are looking for a core of guarantees with an opportunity to receive dividends.
Universal Life Insurance
This insurance provides permanent life insurance with a tax-advantaged investment component. As your cash values accumulate, you can use it to pay the cost of insurance or, depending on the option you select, to increase the total death benefit. This type of policy is generally non-participating and is attractive for people who want to actively manage their life insurance policy.
Term Insurance
Term life insurance is well suited to meeting high, short-term protection needs for the lowest initial cost.
We offer clients the following term solutions: 10 year, 20 year and term to 100.
Critical Illness Insurance
Critical illness insurance can provide you with a one-time lump-sum benefit to help cover additional expenses often associated with a critical condition such as:
- Timely treatment outside Canada
- Nursing or domestic help
- Medications
- Spouse taking time off work
- A recovery vacation or modifications to home/office
These critical conditions include a heart attack, stroke, cancer, plus an additional 22 illnesses and disorders.
Disability Insurance
Accidents and illness are unfortunate facts of life. We offer clients access to competitive disability insurance products to protect your most valuable asset - your ability to earn an income.
These products have been developed with the diverse needs of business owners, professionals, executives and employees in mind.
Business Insurance Services
Business owners purchase insurance to protect their businesses, key partners, themselves and their families from an untimely death or disability. There are numerous areas in which insurance can play a key role in business planning.
Some of which include:
- Providing immediate tax-free capital to cover potential capital gains owing on transfer of shares to the next generation.
- Funding a buy/sell agreement between business partners in case of untimely death.
- Providing the proper funding to a key employee or business partner in case of death or disability.
