| Products/Services |
Critical
Illness Protection | Life
Insurance | Maximize
Your Pension Income
Mortgage Insurance | RRSP
At WE Life, we provide personalized financial advice and solutions to enable our clients to achieve their individual goals and to help ensure financial independence and retirement security.
Services
Provided |
|
| * Retirement Planning | * Investment Planning |
| * Insurance Planning | * Employee Benefits |
| * Estate Planning | * Business Insurance |
Products
Offered |
|
| Insurance Products | Investment Products |
| * Term Life | * Segregated Funds |
| * Mortgage Insurance | * Registered Retirement Savings Plan (RRSP) |
| * Critical Illness Insurance | * Non-Registered Savings Plans |
| * Universal Life (Long Term Insurance) | * Education Plans (RESP) |
| * Business Insurance | * Working Opportunity Fund |
| (Key Person & Buy Sell Funding) | |
| Income Replacement | Other Products |
| * Disability (Accident & Sickness) | * Employee Benefits & Group Insurance |
| * Injury only (automatic issue) | * Long Term Care Insurance |
| * Illness & Injury | * Individual Dental & Extended Health |
| * Off the
job Non-Occupation and 24 hour coverage |
* Travel Insurance |
| * Health and Welfare Trust | |
CANCER Insurance
STROKE Insurance
HEART ATTACK Insurance
1 in 3
Canadians will develop some form of cancer.
1 in 4 Canadians will suffer a Stroke related illness.
1 in 4 Canadians will suffer a heart condition.
...most will Survive!
| Other Illnesses Offered | |
| * Alzheimer Disease | * Coma |
| * Benign brain tumor | * Deafness |
| * Parkinson's Disease | * Severe Burns |
| * Loss of independence | * Blindness |
| * Renal (Kidney) failure | * Loss of speech |
| * Multiple Sclerosis | * Loss of limbs |
| * Vital Organ failure | * Paralysis |
| * Vital Organ transplant | * Motor Neuron Disease (Including AIS) |
| * Coronary Artery Disease Surgery | * Occupational HIV Infection |
Critical Illness insurance
provides you a lump sum of
tax free money in the event you are diagnosed and
survive a Critical Illness.
Use the funds any way you
see fit!
”Jump the queue’”and access the best medical care in the world,
cover your mortgage payments while you recover,
use it to offset time off work for a family member caring for you,
or take a dream vacation with loved ones to help with the recovery process.
What Type…Short Term or Long Term?
What’s the difference…?
How Much…??
There are only two ways to
provide for your family’s income1. You at work
2. Your Money at work
So... How much do they need?
If you die, or become disabled
your family needs
enough cash to replace your income.
On average, a person needs
7-10 times their annual income
to maintain the current family lifestyle
Most retiree’s at time of retirement choose a reduced pension so that their spouse will continue to receive ”income” from the pension after their death.
Very few consider the ”cost” of this choice or even that there is a cost. By choosing the reduced income they have a lower income for the rest of their lives, even if their spouse dies first. This choice also disinherits the children.
Most of these same individuals have had life or mortgage insurance through their working years. Insurance that was to provide an ”income” to their spouse and family if they died prematurely.
If only this same insurance could have lasted through their retirement! Then they could have taken the higher income from their pension with the peace of mind that their spouse could convert the TAX FREE life insurance proceeds into an ”income” that would also continue to the children.
Contact us to find out how this can work for you!
OUR ADVANTAGES…
If you don’t have Empire Life’s Segregated Funds in your RRSP portfolio, you should consider it.
Why? They are the only Segregated Fund Family to make it into the Top 10 Globe & Mail’s list of 10 year performance, out of over 4000 Mutual Funds, for the past three years in a row.
What’s a Segregated Fund? A mutual fund with guarantees on deposits, creditor protection, and ability to bypass probate & lawyer fees at death.
Something new: Now you can choose a mix of the various funds to match your particular risk tolerance.
Call
now to request your
Personal Investor Profile Questionnaire
1-800-899-7319