Life Insurance

Life Insurance protects you and your family upon an unexpected death. You can choose between a term or permanent policy, with each serving its own purpose. When you die, it can be used to pay final expenses and debts and provide an income for your family. The advantages of life insurance include:

• Offers unique estate planning opportunities
• Transfers the financial risk of an unexpected death to an insurance company
• Death benefits to named beneficiaries are almost always non-taxable
• We have access to a wide variety of life insurance options that will help meet the needs identified in your financial plan.

Disability Insurance

The greatest asset you will ever own is your ability to earn an income. Disability insurance will protect that asset and allow you maintain your financial obligations should be become unable to work for an extended period of time. Plan designs can range from accident only policies to comprehensive policies that cover both accident and sickness. The advantages include:

• Your income is partially replaced if you are unable to return to work due to an accident or illness
• You and/or your family can continue to have the same quality of life in the event you become disabled
• Can act as a top up with your current group disability policy 

CRITICAL ILLNESS INSURANCE 

Critical Illness insurance offers you protection in the event you are diagnosed with a life threatening illness. Critical Illness insurance can help reduce the financial stresses involved, and ensure that all you have to worry about is getting better. It may also be a vital component for business owners as it can help you business function in your absence. The advantages include:

• Tax-free lump sum payment that can help with additional costs, and allow you spouse to take time off work
• Guarantee issue policies available for hard to insure people
• Can make a claim, even if you haven’t missed any time off work

LONG TERM CARE 

Long term care provides ongoing support for people who cannot look after their own personal needs. It includes help with the everyday Activities of Daily Living. Long term care can be provided either at a home to maintain a level of independence and security or in a facility to provide a certain standard of accommodation and care. The advantages include:

• Long term care insurance provides you with the financial resources to help take control of your future health and personal care services
• Flexible range of benefits to choose from to customize for your specific needs
• Protec family assets and savings