An important component of any financial plan is making sure your loved ones are protected. Insurance Planning can provide an effective approach to income planning for such events as retirement, disability, and death & to protect your income in the event of sickness or injury

Our objective is to design the program that is right for you and your family! Custom solutions that are cost efficient, and comprehensive, are designed to blend perfectly with all aspects of your financial affairs.

What does a financial plan consist of? Most people are quick to respond with a list of investment products.  But from the outset, our financial-planning philosophy has been based on the idea that a complete financial plan consists of savings, investments and, yes, life insurance. Because any truly effective plan must address not only the expected and hoped-for outcome, but also the possibility of an unexpected and disruptive outcome.

Life insurance can provide those you care about with the financial support that they need when you’re no longer here. The money from your life insurance policy is passed on directly to them. It can also be a cost-effective way to help those you care about maintain their lifestyle, repay debt and fund future goals, such as education and retirement. Your life insurance should cover specific goals such as, paying off your mortgage, provide for children’s education & provide a lump sum for beneficiaries to live off!

You seek out a financial plan because you have dreams for your family’s future; you include life insurance in that plan to provide an extra measure of assurance for your family and security for the future.

Total & Permanent Disability cover provides a lump sum in the event that the person insured becomes totally or permanently disabled. It is designed to help discharge any outstanding loans you might have and also help with your ongoing living expenses while you are disabled. This cover is usually combined with Term Life cover as it is relatively inexpensive in most cases.

Income Protection Insurance insures you against loss of income while you are unable to work because you are ill or injured. Income Protection Insurance pays up to 75% of your remuneration package from your employment should you be unable to work due to illness or injury.

Trauma insurance is designed to provide a cash lump sum when the insured suffers, for the first time, certain specified medical conditions such as a serious heart attack, stroke, cancers, kidney failure, etc. Trauma insurance provides financial assistance to help fund such things as medical cost; loss of income; rehabilitation costs; employment of a home nurse and modifications to the home or vehicle.