When it comes to organizing your financial matters, securing protection for yourself, your family and the things you care about should be a priority. Planning for the unknown, and making sure things will be taken care of in the event of a crisis will give you peace of mind.
If something happened to you, you want to be certain you have the right coverage to protect your family, your lifestyle and everything you’ve worked hard to achieve. But there’s a lot to consider when buying insurance. What type of coverage is right for you? How much is enough? As part of our process we will help you answer these questions and work with you to find solutions to make sure that you, the people you love, and the things you care about will be protected.
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Protecting The Things That Matter
Protecting My Family
Your family is important to you. If something happens to you, you want to know that they will be well taken care of. Losing a loved one is an incredibly difficult and traumatic experience. Your family will need time to grieve and recover, and the last thing you want them to worry about is money.
There are a lot of factors to think about when it comes to making sure your family is protected - replacing your income, paying off your mortgage and any other debts, having enough set aside for your children’s education, and ensuring your family is able to maintain their lifestyle. We will look at each of these and any other factors you may need to consider. Once we know your family’s unique situation, we will discuss the options that are available, and help you decide on a plan that will best address your family’s life insurance needs.
Protecting My Health
Health is often something we don’t give much thought to until we or someone we love becomes sick or injured. We are very lucky to live in a country with a comprehensive healthcare system but what about expenses that are not covered by that system? What if you become sick or injured and are unable to work for an extended period of time?
These are concerns that none of us want to think about, but all of us need to consider. As part of our insurance discussion we will talk about available solutions which will address the problem of loss due to illness or injury.
Protecting My Estate
You’ve worked hard to build a nest egg and to make sure that your family is well protected. When the time comes for those savings to be passed to the next generation, or to your favourite charities, or both, it is important to ensure that the transition will happen as smoothly and efficiently as possible. Without proper planning, many people end up paying unnecessary estate taxes that eat away at the amount that is intended for loved ones as well as the causes they care about.
We will help you implement strategies that will maximize the value of the assets that you intend to leave to your family and your favourite charities. Our goal is to give you peace of mind, knowing that your loved ones will be taken care of and that all of your estate needs will be met.
Protecting My Business
Building and running a business can be quite demanding but can also be very rewarding. Your business may have many valuable assets, particularly your employees and most importantly, yourself. All businesses take some risks but taking too many risks or failing to protect your business from potential risk does not make good business sense.
Insurance needs can vary greatly depending on the specifics of your business. Whether it’s funding buy-sell or shareholder agreements, protecting key employees, providing an employee benefit program, protecting assets or ensuring there is adequate coverage for potential liabilities, we work with you as trusted advisors to make sure that you have appropriate protection in place.
Protecting My Stuff
Providing the right kind of protection for your home, your car and your other valuable assets has become a difficult task in today’s continually changing environment. As registered insurance brokers, our role is to advocate on your behalf when it comes to applying for insurance and navigating through the annual renewal process and, most crucially during the claims process.
The next time your car insurance or house insurance policy comes up for renewal, let us take the opportunity to get a quote for you so that you can compare what we have to offer. With access to over 15 different insurers, we can find the coverage that meets your needs at a price that fits your budget.
We offer the following types of insurance products, and work with you to determine which product, or combination of products will best suit your current situation, while keeping your future plans in mind.
- Term Life Insurance
- Universal Life Insurance
- Whole Life Insurance
- Critical Illness Insurance
- Disability Insurance
- Health & Dental Insurance
- Group Insurance
- Travel Insurance
- Home & Auto Insurance
- Commercial & Property Insurance