Life, Disability and Critical Illness Insurance
How much protection is enough? We have the process, tools and insurance options that will ensure you have the right coverage for you.
Determining your insurance needs
- We first determine the immediate cash needs as well as mortgage and loans that must be paid.
- We then determine the amount of money required as income for your survivors. INSURE Right software adjusts for inflation, investment returns and the number of years the income is required.
- The amounts from Step 1 and Step 2 are added to get the Total Amount of Money Required in the event of death.
- Assets that you expect to be usable by your survivors are deducted.
- We then calculate your insurance needs (the difference between Steps 3 and 4)
- For insurance for lives that are inter-dependent such as through marriage or business partnership, we repeat Steps 1 to 5.
Life Insurance
- Term Insurance — Affordable coverage designed to meet immediate needs such as business loans or mortgage protection.
- Whole Life Coverage — Participating life insurance with a fixed premium.
- Universal Life — Life insurance that also offers an investment component.
Disability Insurance
The peace of mind that income protection can provide is available for professionals, business owners, business executives, and full-time, part-time or home-based workers. Whether you need to secure your main source of income or supplement coverage received from your employer or an association, we can help by providing a portable plan that you can rely on throughout your working years.
Critical Illness Protection
Living benefits are designed to alleviate the financial strain that can accompany a critical illness. It lets you and your loved ones focus on what really matters — recovery. Critical Illness insurance does not just deal with survival. It deals with something far more important — quality of life.
- One in four Canadians has some form of heart disease
- 75,000 Canadians suffer heart attacks each year
- More than 134,000 cases of cancer are diagnosed every year in Canada
- 50,000 Canadians suffer a stroke each year
(Information obtained from Heart & Stroke Foundation, Canadian Cancer Society & Alzheimer Society of Canada).
Surviving a critical illness can create overwhelming medical & financial anxieties. Are you prepared?
Long Term Care
It has been said that the fear of dying too soon has been replaced by the consequences of living too long.
Canada's population is aging and we're facing increasing health care costs. What will the future hold for those who need long term care?
Long term care insurance may be the answer. It provides clients with the financial assistance to enable them to maintain their quality of life. Benefits can be used for the service and support required to maintain their day-to-day activities should a chronic illness or cognitive impairment keep them from being able to take care of themselves.
Travel Insurance
Planning a vacation, are you aware of the costs related to our of country medical emergencies?
Be sure to not only pack the sunscreen but also pack the peace of mind travel insurance can provide, from emergency medical only to family plans we can help.
Call us for a quote.
