Insurance Insurance is essential to any comprehensive financial security plan. If tragic events like death, disability or critical illness strike, insurance can protect you and your family from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to achieve goals like buying a house or retiring comfortably. I have access to a variety of insurance products that can help meet your financial security planning needs. No matter your personal situation—if you’re single or in a family; a professional or a seasonal employee; an executive or small business owner—we will work together to design a customized plan.LifeLong-term care, disability and critical illnessHealth and dentalGroup health benefits Life insurance In the event of death, life insurance offers surviving family members increased financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents. The advantages of life insurance include: An instant estate for your loved ones at a time when funds are most needed Death benefits that are almost always non-taxable for named beneficiaries Avoid probate costs if you name a beneficiary other than your estate Potentially offer your loved ones creditor protection through some life insurance plans Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans I can help you select coverage from a variety of life insurance options to meet the needs identified in your financial security plan. Life insurance can play a vital role in your financial security plan - contact us today to find out how. Long-term Care, Disability and Critical Illness insurance Help protect one of your most valuable assets – your income – from unexpected events through long-term care, disability and critical illness insurance.Long-term care and disability insuranceIncome is important for both current financial obligations (e.g. grocery bills and mortgage payments) and for future financial security (e.g. planning for your children’s education or for retirement). Just think what might happen if you suddenly lost your income stream through a long-term illness or disability.Long-term care and disability insurance products help protect your ability to earn an income, which can be affected if you are afflicted by a disability or other condition.I can help you choose the long-term care and disability insurance products that provide advantages like:Helping maintain your financial independence, lifestyle and long-term financial security plan in the event your income is impacted by disabilityAssist with paying fixed expenses for your business if you become disabledSupport the buy-out of a disabled partner’s share of a businessI can help you tailor your financial security plan so it protects your income through long-term care and disability insurance. Contact us today to find out how. Health and dental insurance Depending on your situation, you may or may not be covered under an employer’s group benefits plan. If not, I can help you choose a health and dental plan that can help cover out-of-pocket medical and dental expenses for you and your family. These plans are designed to provide various levels of enhanced healthcare protection, depending on your needs and the stage of life you’re in. When designing your customize health and dental insurance package, you can choose from an array of services. Options include: Prescription drugs, which many consider one of the most valuable forms of health coverage. Paramedical services, ranging from the use of an ambulance to a visit to the massage therapist. Vision care if you or your family members wear glasses or contact lenses. Protection while on vacation or a business trip with out-of-country medical coverage. Access to private or semi-private hospital rooms. Dental care can include basic dental work as well as a portion of orthodontics, depending on your level of coverage. Contact us to find out more about enhanced healthcare and dental protection for you and your loved ones. Group health benefits In today’s working environment, valued employees are looking for more than financial compensation. They also want an employer who supports their health, and the health of their families.For this reason, either by itself or paired with group insurance products, consider attracting and retaining employees with group benefit plans. From traditional health and dental benefits to alternative arrangements like employee wellness programs, group auto insurance or flexible work situations, group benefits help make employees more efficient, productive, and happy. Employers also gain tax benefits, such as premiums that are deductible as a business expense in some cases.Flexible plans offer employers and employees cost-effective, customized ways to address their needs. Choose from an array of benefits like:Extended health and dental care coverage, which includes options like prescription drugs, paramedical services, vision care, out-of-country medical coverage, basic dental work and orthodonticsGroup life insuranceGroup short- and long-term disability insuranceEmployee assistance and wellness programsAlternative group benefits, such as group auto insurance or flexible work arrangementsGroup critical illness coverage, to help ensure your employees can survive a critical illnessBenefits plans tailored to specialized employee groups, such as foreign or part-time workersContact us today to learn more about benefits products and services that fit the needs of your business.