Insure


Help protect one of your most valuable assets – your income – from unexpected events such as Disability or Critical illness.




Life Insurance

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Purchasing life insurance that meets your needs now and in the future can be complex. Life insurance is definitely not a “one size fits all” product. You need to take the time to understand your financial goals and insurance needs, your risk tolerance, and the control you want in managing your policy. As your Financial Advisor, I can help you to research your options and ensure your life insurance is a good fit for you now, and in the future.


I can help you tailor your financial security plan so it protects your income through Life insurance. Contact me today to find out how.





Disability Insurance

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Income is important for both current financial obligations and for future financial security (e.g. planning for your children’s education and for your retirement). Just think, what would happen if you were to suddenly become disabled and you lost your income? How would you pay for your mortgage, feed yourself and your family and pay for medical expenses that are not covered by OHIP (for example, cancer medication)?


Disability insurance products help protect your income stream, which can be affected if you are afflicted by a disability or other condition.


We can help you choose the right disability insurance products that provide advantages such as:


  • Helping maintain your financial independence, lifestyle and long-term financial security plan in the event your income is impacted by disability
  • Assist with paying fixed expenses for your business if you become disabled
  • Support the buy-out of a disabled partner’s share of a business

I can help you tailor your financial security plan so it protects your income through disability insurance. Contact me today to find out how.





Critical Illness Insurance

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Suffering a critical illness is distressing for both you and your family. Help ease the burden through insurance that will reduce financial stresses and can complement disability and life insurance protection needs. By helping pay for the additional expenses often associated with a critical illness or condition, this type of insurance offers you, your family, and if applicable, your business, added financial security—so you can focus on your recovery.


The advantages of critical illness insurance can include:


  • Coverage for up to 24 critical illnesses or conditions
  • A tax free lump sum benefit you can use however you wish
  • Best Doctors Service ensures that you receive the best possible medical attention in a timely manner
  • The lump sum payment will assist in paying for in home care costs during illness and recovery periods
  • Most critical illness policies offer a return of premium benefit (optional), so that if you never need to make a claim, you can recover your premiums.
  • Retirement savings are protected
  • Individuals who cannot obtain disability insurance can, in some cases, still qualify for critical illness coverage.



Children’s Critical Illness Coverage


Children can now have critical illness coverage. Our worst nightmare would be if one of our children were to become critically ill. Too often I have seen a family financially wiped out because of a child’s illness.

The advantages of having Child Critical Illness Insurance are:

A lump sum will be received upon approval of a claim of a child being critically ill. This money can assist in paying for:

Medical Costs not covered by OHIP;

Lost income due to parents having to take leave of absence from their jobs to care for the child;

Day to day living expenses and bills that carry on regardless of the horrendous situation the family is now in.

If the child never has to make a claim, the child can now apply for adult CI coverage with no medical exam.

Return of Premium option: if no claim is made, the premiums can be returned at age 25 and used for your child’s education or however you would like.


Contact me today to determine whether critical illness insurance fits into your financial security plan.


 


Health and dental insurance

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Depending on your situation, you may or may not be covered under an employer’s group benefits plan. If not, I can help you choose a health and dental plan that can help cover out-of-pocket medical and dental expenses for you and your family. These plans are designed to provide various levels of enhanced healthcare protection, depending on your needs and the stage of life you’re in.


When designing your customized health and dental insurance package, you can choose from an array of services. Options include:


  • Prescription drugs, which many Canadians consider one of the most valuable forms of health coverage.
  • Paramedical services, ranging from the use of an ambulance to a visit to the massage therapist.
  • Vision care if you or your family members wear glasses or contact lenses.
  • Protection while on vacation or a business trip with out-of-country medical coverage.
  • Access to private or semi-private hospital rooms.
  • Dental care can include basic dental work as well as a portion of orthodontics, depending on your level of coverage.

Contact me to find out more about enhanced healthcare and dental protection for you and your loved ones.



Group health benefits

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In today’s working environment, valued employees are looking for more than financial compensation. They also want an employer who supports their health, and the health of their families.


For this reason, either by itself or paired with group insurance products, consider attracting and retaining employees with group benefit plans. From traditional health and dental benefits to alternative arrangements like employee wellness programs, group auto insurance or flexible work situations, group benefits help make employees more efficient, productive, and happy. Employers also gain tax benefits, such as premiums that are deductible as a business expense in some cases.


Flexible plans offer employers and employees cost-effective, customized ways to address their needs. Choose from an array of benefits like:


  • Extended health and dental care coverage, which includes options like prescription drugs, paramedical services, vision care, out-of-country medical coverage, basic dental work and orthodontics
  • Group life insurance
  • Group short- and long-term disability insurance
  • Employee assistance and wellness programs
  • Alternative group benefits, such as group auto insurance or flexible work arrangements
  • Group critical illness coverage, to help ensure your employees can survive a critical illness
  • Benefits plans tailored to specialized employee groups, such as foreign or part-time workers

Contact me today to learn more about benefits products and services that fit the needs of your business.

 


Business Owner Solutions for Disability and Critical Illness Insurance



Benefits to the employer:


  • Premium contributions are tax-deductible
  • A stable and predictable business expense
  • May help attract and retain key employees
  • Help avoid the cost of continuing salary payments for a disabled employee
  • A group premium reduction may be available if three or more employees apply together.

Benefits to the employee:


  • Quality individual non-cancellable disability coverage
  • No premium payment while under the SCP
  • Portable coverage
  • Return of Premium benefit goes to the employee

It is generally less expensive for the employer to pay the premium under a group plan than it would be to increase the employee’s income to allow him or her to pay the premium on a personal policy.



Long Term Care Insurance



At some point in all of our lives, we will all reach the point where we cannot live independently and we will require some form of care. This event will occur as a result of age (65 years of age or older) or possibly because of illness. This care may come in the form of in home care, a private care facility or a government subsidized institution. Long Term Care Insurance provides you with the confidence that should you find yourself in this situation, you will have choices. These choices will preserve your dignity, your quality of life and your financial security.


Did you know that 1 in 5 Canadians is providing for an elderly parent or a close relative? Have you thought about what your choices will be when you come to the point when you are no longer able to live independently? No longer able to live independently is defined as a person who is unable to perform 2 out of the 5 basic activities of daily living on their own. These 5 activities are bathing, dressing, eating, toileting, transferring, or if one suffers from a cognitive impairment.


Long Term Care Insurance will:


  • Provide you with a monthly benefit amount
  • Receive the quality of care that you need or desire, either in your own home or in a long term care facility, hopefully of your choosing.
  • Replace lost income of immediate family or friends by allowing them to continue to work, while you are being cared for in the manner that you desire.
  • Preserve your Estate.