Protecting Your Loved Ones

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Life and death are essentially a play of time, information and energy, and how we can become absolutely free if we conduct these three consciously.

Sadhguru

MISSION

Educating Business / professional people on mitigating risk pertaining to their Health that may affect their loved ones.

LIFE PLANNING

I am curious .. do you plan your life?

Perhaps you are too busy operating on auto mode making major decisions periodically.

IMAGINE – If I could show you a way to review your Financial Security based on health risks to protect your loved ones…after all you have two choices “ PLAN YOUR LIFE or LET LIFE CONTROL YOUR PLAN”. We have a process, it is our compass, Once completed, the compass is a living plan which is reviewed periodically (if desired) for the protection of your Loved Ones..

A free assessment may help you, let’s connect…

FREE ASSESSMENT

VISION

Our product is life insurance our strength is financial security for the protection of your loved ones.

https://youtu.be/lo-uUGfrWNA

Our Services

LIFE INSURANCE
ESTATE AND TAX PLANNING
GROUP BENEFITS
INVESTMENTS

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SEE WHAT WE DO

I HAVE GOOD BRAKES. DO YOU HAVE GOOD INSURANCE?

LIFE INSURANCE

Why do we need it? Simple answer is for Risk Mitigation. Imagine your Loved ones having to carry your debts, tax bills or even not being able to pay for daily living. Simply minimize the financial burden on them with Life Insurance, a pre determined sum of money is given to your beneficiary upon death. With the ever more popular living Benefits, you can ensure that if you suffer a critical illness or disability, you can receive insurance payout at times when your ability to earn income has diminished … need we say more ?

ESTATE AND TAX PLANNING

Here is a typical scenario .. you are happily married with a great job, spouse and children (and a Loving dog). Missing something ? Surely if either or both of you were to die, how will : 1. Property be divided 2. Who will take care for children & pets 3. Who will make decisions if you are mentally incapacitated. Estate Planning can help, typical components are: WILLS / LIVING WILLS & Power Of Attorney (Health & Finance), Trusts .. all this to avoid probate fees. How about incorporating estate planning into your personal finances & retirement planning to maximize your income & your estate value. Life insurance can be a critical component – by passing the Estate (if there is a named beneficiary).

GROUP BENEFITS

Group Life is a Benefit to ensure employees feel valued. It is paid by the Employer (can be a Tax Efficient Business Expense).The cost may be split (partly paid by the employee). It may cover Employee Death, Prescription, Dental and Extended Health (e.g. Massage, Physio Therapy, Counselling). Imagine that you are an employer without Group Benefits for your employees. In this ever changing health risk environment, your Business may be vulnerable if your key employees resigned due to illness. Employee loyalty and hence your Business survival may depend on your employees being present for work, a Group Benefits program consultation is only a phone call away..

INVESTMENTS

When we discuss Investment Planning, typically it involves retirement planning through Tax Sheltered RRSP and TFSA. It is a very popular Tax efficient strategy, however, we can help individuals investigate the option of utilizing segregated funds within RRSP or TFSA. A segregated fund contract is an Insurance contract with underlying funds perhaps in mutual funds, but with guarantees. They are only sold by Insurance Companies. As an example, a segregated 75/100 i offered by one of the insurance companies will guarantee at maturity greater of Market Value or 75% of Deposits paid (no matter what happens to the markets) and greater of the market value or 100% of Deposits at Death. The best part of this is that this product is Inflation adjusted yearly and payable to your beneficiary by passing your Estate, avoiding probate on death. Finally the funds in a segregated fund is kept in a separate account (and not the insurance funds account).

UPCOMING WEBINARS

We will be conducting Webinars in the future, stay tuned !