Our Services > Types of Insurance
 
Meeting the needs of our clients' estate planning and risk management objectives often involves the use of insurance products. Today, more than ever, there is a wide range of insurance programs tailor-made for specific protection needs.

The following is a list of some of the different types of insurance plans available to our clients:

Life Insurance

Disability Insurance

Critical illness Insurance

Long Term Care Insurance

Please contact your financial advisor or make a general inquiry should you wish additional information about how these programs might be integrated with your personal risk management or estate plan.

Life
 
In its simplest form, life insurance is meant to provide safety and security for the ones we love.

This type of insurance is commonly used to:

- Cover last expenses and immediately provide cash for surviving family members
- Pay off mortgages and other debts
- Eliminate tax liabilities triggered at death
- Replace lost income for the surviving spouse and dependent children
- Provide education funds for children
- Provide a charitable testamentary gift

In addition to meeting personal planning needs, life insurance can also play a large role in addressing business risk management and succession planning.
Disability
 
Disability coverage is meant to replace the earned income that is lost when illness or accident causes a prolonged disability. It is often a neglected personal insurance need, yet it is a crucial part of overall risk management planning for most individuals. Businesses may also suffer a loss due to the long-term disability of a key employee.

A wide range of different disability plans are available today, and can be custom-designed to meet a variety of protection needs.

Critical Illness
 
Critical Illness insurance provides a one-time lump-sum cash payment if the insured is diagnosed with a life-threatening illness (such as cancer, kidney failure or Alzheimer's) or has suffered a heart attack or stroke. At a time when extra financial peace of mind is welcome, these funds can be used by the insured in any manner - such as facilitating day-to-day living, or funding private health care.

Long-Term Care
 

Long-term care insurance provides a regular cash benefit to assist with the costs of long-term medical care (either in a facility or at home). This type of plan may be an ideal solution for those who are concerned about relying on family members to provide care, or to ensure that you can pay for the care at the facility of your choice.

 
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