Insurance provides protection. Every Financial Plan should protect against sudden, unforeseen risks that we are exposed to every day prior to looking toward future goals.
There are many different types of insurance products available to attend to your unique needs. Your priorities and financial resources will determine the choices made. At L&A Financial Group we consider different types of insurance for your specific needs. This includes existing plans already in place, such as coverage through an employer, which must be integrated into your plan. We offer a diverse portfolio of insurance policies focused on protecting you, your loved ones and the things you love.
Life Insurance products provide a tax-free benefit to pay final expenses, eliminate debt, tie what we can to matrix provide for an education or replace income. Permanent Insurance and Term Insurance products can be used in combination, or as individual entities to provide for those left behind.
Living Benefit Insurance is designed to protect everyone’s most valuable asset – the ability to earn money. Disability Insurance will replace income lost when you are unable to work due to an accident or illness. Critical Illness Insurance Protection may be required to help with the significant and unexpected costs that may not be covered by your provincial or employee health plans. Some health conditions make it impossible for you to take care of yourself. In which case you may need Long Term Care, either in a home or in a facility, which is also costly.
Segregated Fund products protect not only your original investment through principal guarantees, but also your assets themselves, with the ability to ensure protection against creditors.
Whether you seek a Guaranteed Investment Account with interest rate guarantees or an investment with greater return potential such as a Segregated Fund, you can tailor them to your own personal needs. You can even guarantee your income for life through Annuities and Guaranteed Income Funds.
Businesses also need to consider ways to protect their employees through Group Insurance and Key Person protections, while still ensuring that Office Overhead expenses are protected as well. We also know what it takes to design a comprehensive, cost-effective Business Insurance program that will provide you with the most for your insurance dollar!
The ability to customize your insurance policy by adding only the features and benefits, you require will make your insurance even more valuable. Contact us today for a free no obligation estimate on your complete insurance needs