Why Insurance Coverage is Important

They say that some things are better to have BEFORE the need is felt – even if they are NEVER ever used. Insurance falls into that category. Rather than viewing insurance as an “expense”, most people experience it as peace of mind. That’s the essence of our Insurance service. 

Our Insurance service covers:

• Comprehensive Review: We’ll review existing policies, if you have them, to ensure they continue to fit your needs. But if you don’t have an insurance policy, we’re here to advise and guide you on which policy makes the best sense for you and your family.
• Death-event security: If you have people that depend upon you being around for many years to come, like your spouse/partner, minor children, aged parents, we’ll advise on what life insurance policies best meet your needs.
• Retirement income through annuities: Sometimes, a great way to guarantee retirement income is the simplest – Annuities. Of course, these products vary in terms and pay-out options and conditions. Our professionals will help make sense of it all!
• Critical illness protection: You may be in the best of health now, but illness has a way of sneaking up on the fittest amongst us. Let us help you determine if you need to insure against a critical illness and, if so, under what terms.
• Disability and long-term care protection: Accidents, at home, at work, during your commute, can leave you severely disabled and financially stressed. As can debilitating illness! We’ll help you insure against such unexpected turn of events.   
• Funding children’s education: Even though your children are of tender age, sometimes insuring their lives may make good sense in the long-term, especially in helping to pay for college or university. Paying just a few hundred dollars a month in premiums now, could result in a windfall payment by the time your child is of college or university-going age. We’ll help you decide if this is a good option for you by doing the math!   
• Insuring estate and succession plans: When structured correctly, insurance can be a great estate planning tool as well, especially when it comes to shielding your beneficiaries from paying taxes or fees on their inheritance.  Partners in business may also use insurance policies as a great financial tool to aid in succession planning. We’ll help you structure an insurance plan that makes sense for your needs.