How insurance helps prepare for the future

Accidents happen, no matter how hard we try to avoid them. You can’t prevent such things, but you can take command over what happens next. Ensuring you have proper personal insurance coverage for all of life’s unpleasant happenstances can make their impact far more bearable.

The vast majority of our Calgary and Alberta clients are extremely diligent about purchasing and maintaining home, car and life insurance.

But what will happen to you and your family if:

  • Someone trips and breaks their arm on a trip to Disneyland?
  • You were injured and unable to work for an extended period?
  • Your spouse is diagnosed with a critical illness?
  • Your children need extensive dental work?

Many overlook travel, disability, critical illness and supplemental health insurance, and that can be costly.

Being ready for life’s harshest realities isn’t easy, but it can save you extreme financial hardship and assist in maintaining the lifestyle you painstakingly worked to achieve.

Life Insurance Covers the Whole Family

The purchase of life insurance is one of the most important transactions you can make. It is certainly an integral part of any good financial plan.

Whether you are the main breadwinner of your family or not, you want to protect your family against a sudden drop in income.

Consider how you will:

  • Continue your income for your dependants
  • Provide for your children’s education
  • Maximize the value of your estate
  • Protect yourself from the untimely death of a business partner
  • Fund final charges to your estate including capital gains taxes, probate, legal and executor fees
  • Build a tax-sheltered fund outside your RRSPs
  • Maximize your retirement income
  • Donate to your favourite charity

We are here to help you decide which type of life insurance suits you best, according to your means and your needs.

Travel Insurance to Fit Your Needs

Travel insurance keeps you prepared for the unexpected so you can travel with peace of mind and truly enjoy your holiday.

Through our exclusive travel insurance packages, you can choose between single trip, multi-trip and seniors and snowbird plans for emergency medical insurance. Additional choices for non-medical coverage include:

  • Trip cancellation insurance
  • Trip interruption insurance
  • Lost baggage insurance
  • Rental car insurance
  • Accidental death and dismemberment insurance

We also provide all-inclusive holiday packages

Disability Insurance For When You Need it Most

Home and car insurance protect your assets. Disability insurance protects your ability to maintain these assets and acquire new ones.

Most people don’t realize that their most important and valuable asset is not their house or their investment portfolio. For most people who are still in their working years, the most valuable and important asset from a purely financial standpoint is their ability to generate income. As such, it goes to reason that for most people disability insurance is the most critical type of coverage. Yet despite this fact, less than 15% of all workers in Canada have it.

As is the case with life insurance, the government does not require you to purchase disability insurance. However, most people rely upon their income to pay bills, support their families and maintain their standard of living. Disability insurance is really income insurance. If you were injured or ill and unable to work, who would pay your bills.

Critical Illness Insurance: What If…?

You suffer a major illness. Will this mean a permanent new lifestyle? Will you be able to maintain your current standard of living? A serious infirmity can impact your normal activities.

Most people are familiar with life insurance and disability insurance policies. But a relatively new insurance package aimed at contending with critical illness has been introduced on the Canadian insurance market.

Critical illness insurance attempts to bridge the gap between life and disability insurance. Where life insurance policies pay out upon death or diagnosis of a terminal illness and disability insurance policies cover lost wages due to an accident or sickness, critical illness policies cover the insured upon diagnosis of an illness such as cancer, heart disease and stroke, to name a few.

Supplemental Health Insurance

Prescriptions, dental care and vision care can be very expensive. Supplemental Health Insurance can help to cover these expenses!

Canada’s national health insurance will not cover the cost of all of your health care needs. Free health insurance benefits provided by the Canada Health Act cover only basic medical needs, such as a trip to your doctor or in-patient/out-patient hospital care. Any other medical services, such as buying prescription drugs and dental care, are paid out of your pocket. Supplemental Health Insurance can cover these expenses! Many employers provide group health insurance plans the cover some of these costs. A family with health care needs beyond those covered by an employer’s group plan should buy additional supplemental health insurance. Here is a list of some medical services that supplemental health insurance can cover:

  • Prescription drugs
  • Dental care
  • Vision care
  • Prostheses and wheelchairs
  • Services of allied health professionals

Strong insurance coverage isn’t just about protecting you and your family from catastrophic situations. It also gives you the peace of mind to enjoy every moment you can. Illnesses, injuries, and accidents can happen to anyone, at any time. With the right insurance coverage and financial planning services, you can get through any situation without compromising your family’s standard of living.