Consultation Financial Products

Annuities: for life, for a fixed term or a fixed amount of monthly income purchased with a single or several payments,

Critical Illness Insurance: to age 65 or 75 or 100, or for a ten year renewable term – for fixed amount of benefit upon diagnosis of over 20 catastrophic illnesses,  such as cancer, stroke, heart attack,

Group insurance: for smaller companies a range of disability, health, and life insurance at deeply discounted group rates,

Investments: segregated funds, premium savings accounts, term deposits and other RRSP vehicles,

Life insurance: renewable term for shorter term needs and at a lower cost, whole life for the conservative investor who seeks tax advantages and diversified investments, universal life insurance for those who seek protection for family or business, and cash accumulation sheltered from taxation.

Long term care insurance: to address the growing need to assure financial support when looking after oneself is no longer possible,

Financial advisory service: a review and analysis of financial information, a discussion of dreams and hopes and needs in the context of facts, and a series of recommendations for action that lead to a planned and less stressful financial life.