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Don’t Let Insurance Confuse You
The right life insurance protection can make a big difference to your life and those closest to you. It can be used to help protect the people and things you love. Life insurance can help you manage risk and it has many tax advantages. It can mean the difference between leaving your estate financially secure or leaving behind debts and an inadequate income.
If you’re unsure, we can help you determine which type of life insurance may meet your short-term and long-term needs and preferences for flexibility and risk.
TYPES OF LIFE INSURANCE
Term life insurance
Permanent life insurance
Participating life insurance
Universal life insurance
Did you know:
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No one plans to get sick, but when something unexpected happens, you can help yourself and your family by being financially prepared.
Critical illness insurance is designed to help financially support patients before, during and after treatment by providing a lump-sum benefit when a critical illness, as defined by the policy, is diagnosed, and you satisfy the waiting period.
Consider some of the potential uses for the funds from a critical illness insurance policy:
WHAT WE OFFER:
Mutual funds, including our exclusive Quadrus Group of Funds, are offered through our mutual fund dealer, Quadrus Investment Services Ltd.
Mutual funds allow individuals to pool their savings in a portfolio of investments managed by professional money managers. Because of the large amount of money in the pool, mutual funds can diversify a portfolio more widely than an individual may be able to when investing on their own.
Features and benefits
Mutual funds are one of the most cost-effective ways to own a diversified, professionally managed portfolio. Mutual funds allow you to invest in several different companies at a fraction of the cost of buying individual units of each of the companies in similar proportions to the mutual fund.
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
Death benefit and maturity guarantees
Creditor protection potential
Mortgage life insurance protection
Whether you’re buying a home or renewing your existing mortgage, there’s something you need to consider. What happens to your family’s dreams if you should die? Would your family be able to stay in their home?
Through a personal life insurance policy, you can plan to meet more of your family’s needs in the event of death—including staying in your dream home. Talk to us today to discuss your insurance needs.