Through out each and one of us lifetime, we work hard to collect and save money.
Why we do it? We are in the process of getting sufficient funds to
meet retirement, education and to reach our lifestyle goals. And this will involve such
products as RRSPs, Pension Plans, permanent/universal life insurance cash values,
RESPs, other non=registered investments and annuities. Many hard earned RRSP's and investments have
been wiped out because of a disability crisis or a critical illness of a loved one.
We need to learn how to deal with protecting those funds and your lifetime plans from loss
due to premature death, disability, critical illness, and involuntary loss of employment and a chance of long term
care requirements. And therefore the purpose of insurance is to protect people and their loved ones from unforseen events.
The lives of the one we loved most and our family members are affected when an income earner of a family can no longer provide. Even a well-planned investment and retirement portfolio can be rendered useless without an insurance component to protect it.
Most people insure their cars, their homes, a million dollar picture, and other assets they have, but many people do not have coverage on the most important asset they have; and that is themselves and their ability to earn an income.
Insurance has many important purposes and below are some of these benefits.
- Income replacement for family and dependents
- Cover additional medical cost and loss wages due to critical illness and accidents
- Cover last expenses and provide immediate tax free cash for surviving family members
- Payoff mortgage and other debts
- Eliminate tax liabilities triggered by death
- Provide charitable testamentary gifts
- Tax Planning
Here are the insurances we can provide:
To achieve this, we have people who are dedicated to assist our clients. They are always just a phone call, e-mail away - please feel free to contact them at your convenience!
