Your needs as an individual or business owner shift depending on your stage of life. We’ll consider the following when developing your financial security:
Early Career
- Your most valuable asset is your ability to earn an income. Choosing the right combination of life, critical illness and disability insurance products can help protect this income.
- If you have a mortgage or other large loan: term life insurance, disability insurance or critical illness insurance offers cost-effective ways to cover outstanding debt if you die, become disabled or suffer a critical illness.
- If your employer does not offer a group benefits plan, investing in additional health and dental insurance coverage may be one option to provide you with this protection.
Family
- Once you have children, your needs change – it is a good time to review your financial security plan.
- Plan for your children’s future through registered education saving plans (RESPs) and a low-cost life insurance policy they can build on later.
Business Owner
- If you own your own business, insurance can help cover outstanding business loans if you die or suffer from a critical illness or long term injury.
- If you have business partners, insurance can protect the business and your family by funding any shareholder agreements that are in place
- A health and dental insurance plan may be tax-deductible as a business expense.
People are a key resource for your business, and so we offer a variety of group insurance options.
Retirement
- If you are aged 50 or older, chances are you have either already retired or are thinking of retiring.
- We help you deal with the "3 Biggest Fears" all people have who are entering or in this stage of life
- We will examine how long your current assets (Pensions and investments) will provide you an income
- Insurance can help supplement your retirement income, and help you leave a tax-free legacy to those you love
- What will your Legacy be?