Financial Advisory
- Life Insurance and Risk Management
Life insurance is risk management. To maximize the benefits of life insurance, meet with a financial advisor to help in your decision-making process to ensure you have proper coverage that adapts as your life changes.
What we offer-
Universal Life.
Offers an insurance protection with an investment and savings component. Affordable protection with Investment options, Children Riders, Flexible coverage, and Death benefit options.
Term Insurance.
Offers Temporary protection needs. Term insurance guarantees affordable rates. Offers protection for a specific period- 10,20 or 30 years.
Whole Life
Offers Financial Protection plus a source of cash. Whole life insurance plans offer permanent life insurance protection that comes with fixed level premiums which are payable for a given number of years as well as insurance protection that’s there for life.
Did You Know?
The mortgage insurance with the bank names the bank as the owner and beneficiary of the policy. That means the mortgage lender receives the death benefit, not your family or heir(s). With a term or permanent life insurance you name the beneficiary who you want to receive the amount of coverage at the end of life. Find out more on CRA website.
- Retirement Planning
An insured retirement plan uses a flexible investment vehicle to build wealth for retirement. With this plan you technically hit two birds with one stone:
- Life Insurance
- Retirement Income- Tax Free Lifetime Income from age 67 -100
- Key Business Protection
Businesses need security and income. Business owners have 80% of their assets tied up inside their corporations. The corporate insured retirement program uses permanent life insurance to extract funds from your corporation tax-free.
The strategy provides tax savings, greater retirement savings, a tax-efficient estate transfer, and enhanced estate values.
- Critical Illness Protection
Be covered for up to 26 major health conditions. This insurance could be the only thing standing between you and financial ruin. Be covered for surprises that might cause financial stresses:
- Childcare, if the primary caregiver becomes ill
- Travel expenses for medical treatments
- Homecare services
Other Financial Products Offered
- Registered retirement Savings Plan
- Tax free savings account
- Guaranteed Interest Account
- Registered Education Savings Plan
- Emergency Medical Insurance for visitors to Canada
- Travel insurance
- Medical and Dental Insurance Coverage for Business Owners
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