Risk Management

You work hard to make the goals you have for business, your family and yourself become reality.

Life insurance can help ensure your loved ones are not left in a difficult position financially if you were to pass away too soon. We work with our clients to develop a proper risk management strategy that takes into account your current and future goals for your family and your business. We have options that work for temporary needs, like a mortgage or funds for your children’s education, or permanent needs, such as how to protect the wealth you have built and transfer it to the next generation.

Critical illness insurance provides you with a lump sum cash benefit when you need it most. If you suffer from a covered life-threatening critical illness, your benefit payout can help cover your monthly financial obligations while you take the time you need to recover. With the proper planning, you can also ensure that your loved ones are able to take a step away from the office and be with you during your recovery or perhaps make some necessary modifications to your home. You may even be able to explore treatment options out of province or out of the country. Having a proper plan in place allows you to make the decisions you feel are in your best interest without worrying about the impacts on your other priorities, like saving for retirement or the financial strength of your business.

You make it a point to put in the time and energy to succeed in your career. You are not afraid of hard work and putting in the time to make your vision for your future a reality. However, even the best of us are vulnerable to accidents or illnesses that take us away from work for a period of time. Having a strong disability plan is a crucial part of any financial plan. The right policy will ensure that your financial obligations are met while you take the time to recover and return to work whether that takes 30 days or 30 years.