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Life Insurance When the question of life insurance comes up, it is hard to place the relevant factors in their proper perspective. Do you need life insurance? Who will benefit from the purchase on you life? How much life insurance do you need? What kind of insurance is best suited for your needs? It is easy to see that the issue of life insurance raises many questions. The most important is to assess the actual need for life insurance. Through careful analysis and thorough search of available products in the market place we can custom tailor an insurance solution for you. Disability Insurance In the areas of personal insurance, disability insurance is a cornerstone. While we all know that some day we will die, a significant disability is sometimes not given much consideration. However the likelihood of a disability is substantially higher than death prior to age 65 (source: Statistics Canada). It is the one form of protection that should not be overlooked during your working career. It could be the difference between poverty and living with dignity. Health Insurance As the support system of government funded health care continues to come under increased funding restraints, private health insurance is one of the few ways to effectively protect yourself from the rising costs of medical services and drugs. It is a way of budgeting your health care costs that should not be overlooked. Critical Illness Insurance A relatively new product, it has become viewed as an important piece of personal lifestyle protection. On the diagnosis of a number of covered illnesses and injuries it will provide a lump sum benefit that will allow for choices to be made that will impact your quality of life. Things such as out of country medical care, changes of access to homes or transportation, protection from a premature drain of accumulated assets are a few of the things that can be funded by this coverage. Long Term Care Insurance The health care system for institutional care or in home care is also under severe funding restraints and in many cases does not even fall under the health care guide lines for our provinces. If you are concerned with the quality and amount of care you might require as you age or become unable to look after your personal health, this is a valuable solution. It not only adds dignity to your lifestyle but removes a huge potential burden that might fall on family and friends to become your care givers. Group Insurance A properly designed and monitored group insurance plan may be a key component to the success of businesses wanting to survive and grow in the future. It is an efficient and effective way to attract, retain and reward the critical component of your business, your employees! It can be custom tailored to meet any business size or type. Groups from three persons and up are eligible to have a wide range of benefits including life insurance, disability insurance, health, dental, vision and others. |
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