Personal Lines


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Protecting your family:

 

  • Life Insurance
    • Life insurance can help ensure your family is well-positioned financially and that your wishes are carried out when you die. Some life insurance policies can build tax-advantaged savings while you’re still living. Read more…
  • Mortgage/Debt Insurance
    • Whether you’re buying a home for the first time, or refinancing an existing mortgage, someone has probably suggested you purchase mortgage life insurance. But don’t rush into buying a policy until you’ve looked at all the possibilities. You could end up saving money and getting added life insurance coverage at the same time by purchasing a term life insurance policy instead. Read more…
  • Critical Illness Insurance
    • Critical Illness Insurance is a ‘living benefit’ designed to alleviate the financial strain that can accompany a critical illness. It lets you focus on what really matters… recovery. Read more…
  • Disability Insurance
    • If you become disabled, your ability to earn income may be compromised, and your ability to pay bills or save for retirement may decline. Our Disability Insurance plans are designed to help you meet your income requirements so you can concentrate on recovering from your disability and returning to an active life. Read more…
  • Health Care Plans
    • Concerned about the many medical expenses you’ll have to start paying for out-of-pocket because of the increasing gaps in your provincial health insurance coverage? Worried about losing your group health and dental benefits? Read more…
  • Top-Up Company Benefits
    • Your company benefits plan has limits built into it; we can review the details of the plan and offer ways to increase personal benefits to their maximum available levels. Read more…
  • Children’s Plans
    • The biggest advantage to buying Life Insurance on children is that it can insure future insurability. That means that if your children ever develop a condition that makes them uninsurable, the coverage they have as children may be the only coverage they’ll have as adults. And, depending upon the type of coverage, they may be able to increase the face amount. Read more…
  • Gifts of Insurance
    • You can make a larger gift than you might expect possible by naming a charity or non-profit organization as the owner and beneficiary of a new or existing life insurance policy. Read more…
  • Travel Insurance
    • When you leave Canada, whether it be for a couple of hours or an extended period of time, you are leaving behind up to 90% of your Government Health Insurance Plan (GHIP) coverage. With only a small percentage of possible travel medical costs still covered, travelling without travel insurance could end up being an extensive, unexpected expense. Also, usually only a part of your medical expenses are covered by your GHIP when you leave your home province and travel to another within Canada. Read more…

 

Achieving your goals:

 

  • Retirement Planning
    • Retirement planning involves negotiating a balance between your goals and the expenses they may incur. Start by honestly analyzing your current financial situation and assessing what you’re going to need when you retire. Develop an investment strategy to help you get there. Finally, review your insurance coverage to be sure that it supports your long-term goals. Read more…
  • Investment Strategies
    • An Investment Strategy is a set of rules, behaviors or procedures, designed to guide the selection of an investment portfolio. Usually the strategy will be designed around the investor’s risk-return tradeoff: some investors will prefer to maximize expected returns by investing in risky assets, others will prefer to minimize risk, but most will select a strategy somewhere in between. Read more…
  • Tax-Effective Income
    • Once you have accumulated your retirement resources we will help you plan the most tax-effective income stream. Read more…
  • Estate Planning
    • Now you have built your estate, we can make sure it goes to who you want it to go to with the least tax possible. Read more…
  • Charitable Giving
    • Ensure your favorite charities receive your donation bequests for pennies on the dollar. Read more…
  • Education Savings Plans (RESPs)
    • Post-secondary costs are increasing drastically; ensure the money for your children or grand children is there, along with the maximum contribution from the government. Read more…
  • Investment Funds
    • There are thousands of managed investment options available, some more risky than others, some with built-in guarantees, some focused on specific industries or geographies. We can offer suggestions that are appropriate to your personal risk tolerance and financial goals. Read more…
  • Annuities and GICs
    • When you need the comfort of knowing exactly what the future holds for your investments, we can provide options that take the risk of the markets out of the picture. Guaranteed interest options protect your principal, and payout annuities guarantee your income. Read more…
  • RRSPs and RRIFs
    • Contributing to an RRSP is still one of the most popular and tax-effective ways of saving for your retirement. Once you’ve saved for your retirement, you will need an income. But when is the best time to start? Read more…
  • Tax-Free Savings Accounts (TFSAs)
    • The government brochure announcing the introduction of the TFSA calls it “the single most important personal savings vehicle since the introduction of the Registered Retirement Savings Plan (RRSP)”. Unlike the usual hyperbole, the government is probably understating the importance that TFSAs are likely to play in the savings plans of all Canadians. Read more…
  • Reverse Mortgages
    • Your home is often your greatest asset. What is the best way to access some of the value of your home without losing control of it or paying too much in taxes? Read more…