Benefits of Owning Life Insurance

Benefits of Owning Critical Illness Insurance

Benefits of Owning Disability Insurance

Protect your family - life insurance can be used to replace income, pay debt left behind, cover funeral expenses, estate taxes, etc.

Tax free transfer of wealth - life insurance is paid tax-free to your beneficiary or estate

Protect your business - insurance proceeds to buy out business partners upon your death, ensuring continuity of the business

Build tax-deferred savings - insurance policies can be used for investment purposes, sheltering corporate or personal savings

Charitable giving - leaves a legacy to charities of your choosing

Range of cost options - we tailor insurance cost to meet your budget

Benefits of Owning Disability Insurance

Benefits of Owning Critical Illness Insurance

Benefits of Owning Disability Insurance

Protect your income - your most valuable asset is your ability to earn income. What happens when that suddenly stops due to an accident or serious illness?

Are you really protected? - Worker's Compensation only covers work place accidents and Employment Insurance is only good for 15 weeks.

Beat the odds - your chances of becoming disabled for three months or longer before age 65 are between 23% and 58%

Benefits of Owning Critical Illness Insurance

Benefits of Owning Critical Illness Insurance

Benefits of Owning Critical Illness Insurance

Living benefit - coverage is paid to YOU, after 30 days from diagnosis of critical illness

Unconditional benefit - no restrictions are placed on how you spend the benefit

Guaranteed benefit - returning to work will not affect you receiving your benefit

Far reaching coverage - CI policies cover up to 25 critical illnesses

Best Doctors - access to leading specialists for diagnosis and treatment

Return of premium - offered on permanent policies when no claim is made

Benefits of Owning Corporate Insurance

Benefits of Owning Corporate Insurance

Benefits of Owning Critical Illness Insurance

Pay company debts - life insurance can be used to pay a company's liabilities

Buy/Sell agreement - life insurance is an affordable option to fund a buy/sell agreement

Shelter company investment - life insurance is often used to defer company investments from high rate of taxation.

Wealth and estate transfer - life insurance creates a seamless transition from one generation to the next.

Income replacement - disability and/or critical illness insurance replaces lost income due to serious accident or illness.

Keyman coverage - life insurance replaces lost revenue of key personnel.

Benefits of Guaranteed Issue Insurance

Benefits of Owning Corporate Insurance

Benefits of Guaranteed Issue Insurance

Guaranteed coverage - Why should you be excluded from getting the insurance you need because of poor health, poor driving record, previous lifestyle choices, or an unusual circumstance that prevents you from obtaining traditional insurance? You might be a candidate for guaranteed issue insurance.

Multiple coverages available - guaranteed issue products include life insurance, disability insurance and critical illness insurance.