Insurances represent a key part of the Retirement Success strategy for the second phase of your financial life; protecting what you’ve started.

Retirement Success - Insurance Protection
Job loss, disability, illness or death can change your financial future. Income and asset protection provide the assurance that you and your loved ones will be taken care of. Insurances are the least costly when you are younger and protects your savings. Disability and critical illness insurance protect you while you are alive and can be income replacement.

I can recommend an insurance policy that may insure clients with cancer, heart issues and or other serious illnesses.  I provide mortgage insurance guidance for all different needs. When you’ve lost a loved one, you also don’t want to lose your home.

I offer a free, no obligation insurance review.

Insurance Products

Disability Insurance: Should you become disabled or unable to work, this insurance will replace a portion of your income. Some disability insurances are convertible to “Long Term Care” insurance. You want this insurance before you incur a serious disability when you are working. Insurance types are not all the same and may pay differently from one company to another.

Critical Illness Insurance: Will help pay lump sum – can cover the costs towards surviving a critical illness, pay off debts or replace income pending on the insurance specifications. See insurance specifications for pay out. Insurance types are not all the same and may pay differently from one company to another.

Life Insurance: Dependent upon your age, gender, health, medical history and lifestyle, this insurance will pay your beneficiaries a tax-free payment should you die while the policy is in effect. Some companies offer guaranteed life insurance even if you are diagnosed with a pre-existing illness.

Whole Life Insurance: An insurance that gives you and your family life-long protection with the bonus of growing tax-advantaged money inside your policy. There are various payment options and they are not all the same.

Universal Life Insurance: An insurance that combines permanent life insurance with a wide range of investment account options for tax-preferred savings growth. Most flexible with lots of options.

Long Term Care Insurance: Financial protection in the event that you are unable to care for yourself due to a chronic illness, cognitive impairment, disability or age-related concerns that require a degree of assisted living. There are a variety of different long term care insurance with various types of pay out. Payable to the insured when unable to perform 2 or more of the so-called activities of daily living (bathing, continence, eating, dressing, toileting and transferring without assistance).

Key Person insurance: Protect an employer from losses incurred as a result of the death of a key employee. Disability insurance applies equally in cases where the key employee becomes and unable to work for a period of time.

Buy & Sell Insurance: A corporate-owned policy that provides funds in the event that a partner becomes ill, disabled or dies.

Business Overhead Expense Insurance: This insurance is designed for self-employed business owners in the event that you are unable to continue running your business due to a disability or prolonged absence.

Travel Insurance: A variety of insurances designed to cover your travel outside of the province or Canada.

Individual Benefits

Retirement Success - Individual Benefits - Medical Care
Group Insurance & Benefits: For businesses or group members to provide group coverage at a reduced price. Great for small or large business. Offer a variety of diversified package specific to your needs.You don’t have to have lots of employees and it is also available for family run business. Not all insurances are the same. I will provide you with all your options.

Dental Insurance: Cover yourself against the high costs of dental work.

Medical Care: Cover yourself in the event of medical costs not covered by your provincial plan. Some insurances are portable. There are individual plans that should also be considered because you won’t always work for the same company. These would be beneficial into your retirement if you don’t have a plan. Some insurances are based on the medication you are taking and not on your health. These are affordable and should be considered.

Individual Benefits & Dental: You can also obtain affordable individual benefits to help you cover your family and you. I offer a free insurance review to assess your needs.


Retirement Success - Insurance Affiliations
There are many types of insurances, and the coverage and pay outs are not all the same. An advisor has to review your needs to best advise you and to find the insurance that meets your concerns within your budget not only for now but also for tomorrow and throughout your retirement.

You get the best insurance rate when you are healthy. Some insurance rates are dependent on age and health, some on life history while others are based on the medications that you take. Insurance helps you minimize the expense impact to protect your investments savings.

Financial Horizon Group provides a full range of insurance and financial products. View the Financial Horizon Group Corporate Brochure.

Did you know?

Retirement Success - Did you know?