We are passionate about assessing our clients' current and future situations and developing a realistic plan that will achieve their goals.
Whether you’re single, have a family or own a business, we can help you achieve lifetime financial security.
You absolutely require insurance, however it is important to understand the different polices and types of coverage available to you.
Homeowners Insurance vs Mortgage Insurance
Homeowners Insurance assists to protect your home from physical threats like accidents, fire, water damage, and loss of property from theft. It is a requirement when you have a mortgage.
Mortgage Protection Insurance helps to cover only the balance mortgage payments, in case of serious illness or unexpected death and covers only the individual(s) listed on the mortgage.
Term life insurance allows you to have affordable, flexible protection that your loved ones may use to pay off your mortgage or cover other expenses if you die unexpectedly. It typically provides coverage which expires at a specific age or year. Premiums are guaranteed for predetermined period of time depending on the plan selected.
Permanent Life Insurance is an affordable lifetime protection plan helping your family prepare for the unexpected allowing you the added benefit of accumulating cash value over time. Permanent insurance costs are usually guaranteed when you first buy the policy.
Participating Life Insurance is a type of permanent life insurance coverage where your policy is eligible to receive dividends and accumulate cash value on a tax-preferred basis.
Universal Life Insurance is a flexible type of permanent life insurance that combines protection and savings.
Critical illness insurance allows you to receive a lump-sum payment to spend as you choose on things like medical expenses and mortgage payments so you can focus on recovery should you become seriously ill.