Mortgage Life Insurance Protection:
You can select a policy that meets your financial protection needs. Mortgage Life Insurance from lending institutions may leave you with fewer options if your health changes or you become uninsurable. Your options for renewing or re-mortgaging with a different institution may be restricted in order to retain your mortgage life insurance.
I can provide a wide range of products designed to help protect your ability to earn an income. We offer disability insurance for professionals, business owners and employees.
Registered Retirement Savings Plans:
RRSP's are a Government approved way to finance your own retirement. Your contributions grow tax-deferred as long as the funds remain in an RRSP and you get the immediate tax deferral now when you need it the most. RRSP Loans are available. You can borrow the funds for your RRSP, defer the payments for up to 6 months and then use your income tax return to pay down the loan without penalty. This is a great way to go if you are short on cash and still want to contribute to your RRSP.
All mutual funds are offered through Investia Financial Services Inc.
Commissions, trailng commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
Tax Free Savings Accounts:
A TFSA can help grow your savings faster than an ordinary savings account. There are no taxes payable on the investment income or growth even at withdrawal. You can contribute up to $5,000 per year with un-used room carried forward to future years.
Available to all Canadian residents age 18 or older.
Health and Dental Plans:
To supplement your provincial government plan’s coverage, we offer enhanced healthcare protection for actively employed individuals and their families and for people at or near retirement age.
Life insurance creates security for you and your family. There are many policies to choose from. Whether you're looking for the long term benefits insurance can provide, or your short term goals such as loans that need to be protected, I can assist you with a plan designed especially for your personal needs.
Critical Illness Insurance:
The chances of suffering from and surviving a critical illness are greater than you think. Critical illness insurance pays a one-time lump sum benefit if you are diagnosed with a critical condition as defined in the policy, and satisfy the survival period. How you use the benefit is up to you. You may be covered up to 22 critical conditions including heart attack, life threatening cancer, stroke and Multiple Sclerosis.
Registered Education Savings Plans:
When you save for your child's education through an RESP, the Canada Education Savings Grant (CESG) will add 20, 30 or 40% on the first $500 and 20 percent on the next $2,000, depending on the family net income.There is potential to receive a grant of $600.00 per year.
Segregated Funds Policies:
Available only through a life insurance company, Segregated Fund Policies fall under insurance legislation rather than securities legislation. This means that Segregated Fund Policies offer certain benefits that may not be available with other financial products. (estate bypass, possible creditor protection, no trustee fees, capital guarantees, death and maturity guarantees)
Group Benefit Plans:
Flexible and innovative benefits can be tailored to fit the specific needs of your business, whether large or small.
*disclaimers:Insurance products are provided through multiple insurance carriers.Segregated fund products are offered through Investia Financial Services Inc. and/or multiple carriers.Subject to any applicable death benefit guarantee, any part of the premium or other amount that is allocated to a segregated fund, is invested at the risk of the policy owner and may increase or decrease in value according to the fluctuations in the market value of the assets of the segregated fund.