Insurance Planning

We’ll review existing plans, if you have them, to ensure they continue to fit your needs. But if you don’t have an insurance plan, we’re here to advise and guide you on which plans make best sense for you and your family.

It is our belief that you shouldn’t over-insure, but you should never un-insure or under-insure either. The type (and value) of your home, car and other assets will determine what insurance, and how much of it, you should buy.

If you have people that depend upon you being around for many years to come, like your spouse/partner, minor children, aged parents, we’ll advise on what life insurance policies best meet your needs.

Sometimes, the best way to guarantee retirement income is the simplest – Fixed Annuities. Of course, these products have limitations, restrictions, and vary in terms and pay-out options and conditions, and are for long-term investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 1/2 are subject to a 10% IRS penalty tax and surrender chargers may apply.We will help make sense of it all!

You may be in the best of health now, but illness has a way of sneaking up on the fittest amongst us. Let us help you determine if you need to insure against a critical illness and, if so, under what terms.

Accidents, at home, at work, during your commute, can leave you severely disabled and financially stressed. As can debilitating illness! We’ll help you insure against such unexpected turn of events.

Sometimes, even the safest of travel plans can turn into nightmares. Whether it’s an illness or accident overseas, a missed flight, lost baggage or natural disasters that interrupt your plans – if you are insured, you’ll likely be less stressed about dealing with the consequences.

With family and personal medical care becoming more expensive by the day, it may be prudent to cover yourself and your family through appropriate health insurance plans.

Even though your children are of tender age, sometimes insuring their lives may make good sense in the long-term, especially in helping to pay for college or university. Paying just a few hundred dollars a month in premiums now, could result in a windfall payment by the time your child is of college or university-going age. We’ll help you decide if this is a good option for you by doing the math!

When structured correctly, insurance can be a great estate planning tool as well, especially when it comes to shielding your beneficiaries from paying taxes or fees on their inheritance. Partners in business may also use insurance policies as a great financial tool to aid in succession planning. We’ll help you structure an insurance plan that makes sense for your needs.