Disclaimers

What is insurance? It is protecting the people you love and who are dependent upon you. It is the best way to create a safety net to preserve your family’s lifestyle, dreams and aspirations in the event of death, disability or illness. Combined with investments, retirement and estate planning, life insurance is a fundamental part of a sound financial plan. Life insurance is a common component of estate plans. It can provide tax-free cash when it is needed the most. A good life insurance program does more than just replace the loss of income when you die. It should also provide money to cover the new costs that arise after your death. It can be used to: provide the cash to pay for funeral and last expenses provide the capital to create a trust for loved ones provide cash as an inheritance provide cash for children’s education provide a donation to a charity provide cash to pay the tax liability on a RRIF upon the last death provide cash to pay the tax liability on investments Lack of sufficient life insurance coverage when a loved one dies can have devastating consequences for a family that can last for years. Do you need life insurance or disability insurance? If there is someone who would suffer economic hardship if you died or became disabled, then you need insurance. We can analyze your current financial position to determine your optimal level of life and disability insurance.