Insurance
One of the reason's people delay buying life insurance is that we don’t want to think about our own mortality. It is a tragedy on it’s own, but it doesn’t have to be magnified by financial difficulties.
LIFE INSURANCE
The basic principle of insurance is that a small amount collected from many can be used to alleviate the financial distress of a few.
Insurance is a risk transfer strategy. To deal with the risk of financial disaster upon the death of a person; you trade for the certainty of paying insurance premiums.
We have a wide variety of insurance products available, each with specific objectives. A main characteristic that delineates life insurance products is the period of time for which the insurance product is designed: temporary or permanent. For example, you may need term insurance to cover the term of a mortgage, or permanent insurance to cover estate taxes .
A needs analysis can help calculate the amount of coverage you need over sources already available.
CRITICAL ILLNESS
Critical Illness Insurance can provide you with a lump sum payment if you are diagnosed with a covered disease and survive 30 days after diagnosis. This money could be used to cover medical bills, modify your home for accessibility, supplement a caregiver’s income, travel costs for treatments or any other bills that may arise.
DISABILITY INSURANCE
You depend on your working income. Sudden illness and serious accidents can result in the loss of income. Disability insurance provides protection against this by paying a benefit when you are unable to work. Both personal and business disability insurance solutions are available that offer flexibility and features to help you through these times. If you are a professional, tradesperson or a home-based business we can help you with your income replacement needs.