LIFE INSURANCE

Life is full of Surprises!

There are unwelcomed surprises also known as RISK, and
There are those pleasant surprises such as…. meeting that special someone or welcoming a new family into the world.
Risk in itself may not be a threat, but it's the good things of life, which makes you want to prevent it.

Protect your loved ones with Life Insurance.

No matter what stage of your life you are in, there is a financial solution for you.

Universal Life Insurance

Tax-sheltered Investments and Insurance Coverage that fits you!

Coverage from $25,000 all the way up to $5,000,000

Universal Whole Life – Level Life Pay T100
Universal Whole Life – YRT to Age 100
Universal Whole Life – 15 Pay T100
Universal Whole Life – 20 Pay T100

Renewable Term Life Insurance

Protect your loved ones with Financial Security for as much as you want and for as long as you want.

Coverage from $10,000 all the way up to $5,000,000

LifeStyle Term 10 – 30
LifeStyle Term 10 – 30 Joint First-to-Die

Quick Issue Critical Illness

Be prepared to protect your loved ones if and when they are diagnosed with one of the critical illnesses covered by your policy

Critical Illness policy for those ages of 45-75 years old

Coverage from $10,000 all the way up to $100,000

Investment Options

Available Investment Plans

1. GRA – Guaranteed Retirement Annuity
RRSP (Registered Retirement Savings Plan) that allows you to invest and accumulate funds tax-free!

2. RIF – Retirement Income Fund
RRIF (Registered Retirement Income Fund) that helps you accumulate funds tax free which will provide a future regular income when you retire

3. GIA – Guaranteed Investment Annuity
A non-registered plan to supplement retirement savings, education funding and any other future financial needs

4. SPIA – Single Premium Income Annuity
Allows your accumulated savings to purchase a guaranteed level income for life

Investment Choices

The following are your investment choices under a GRA, RIF or a GIA plan.

1. Guaranteed Investment Accounts
Fixed terms at guaranteed rates for 1 to 10 year terms

2. Daily Interest Account
Interest on deposits earned and compounded daily

3. Market Participation Option (MPO) Segregated Funds
Did you know??? Segregated fund has many advantages compared to when investing in mutual funds and/or investing in the stock and bond markets directly?

THESE ADVANTAGES INCLUDE:
- Creditor Protection
- Maturity and Death Guarantees
- No Probate of Legal Fees on Death
- Beneficiary Designation
- Monthly Contribution Available

Invest in the four types of Segregated Funds:
1. Canadian Equity Index Fund
2. U.S. Equity Index Fund
3. International Equity Index Fund
4. Canadian Bond Index Fund

CALL TODAY FOR A FREE NON-OBLIGATORY QUOTE