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Life Insurance is like fun - the older you get, the more it costs - and the harder it is to get.

You don't buy Life Insurance because you are going to die, but because those you love are going to live.

Death comes everyday to someone and someday to everyone.

One of 2 things is certain; you'll live or die. If you live you'll need money; if you die, your family will.

Plan for life as though you will live forever. Plan for death as though it will come tomorrow.

Small Enough To Care.

Big Enough To Offer You Real Choice.

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Life Insurance Products


Provides protection for a limited period of time and pays benefits only if the policyholder dies during the specified time. The major benefit is the reduced cost compared to permanent insurance. Term policies often act as a supplement to permanent insurance like Universal Life or Whole Life, providing a large amount of coverage for the lowest possible cost. While term policies are in force, the policyholder is often offered the right to convert to a permanent policy without evidence of insurability. It is usually possible to add a variety of additional riders, such as accidental death, disability premium waiver, and even critical illness insurance coverage to these plans depending on the company. Initially, term insurance plans are cheap but over the longer term can become expensive. Historically and statistically only a small percentage of term policies are in force when policy owners die.



Permanent Insurance implies protection for life. It comes in participating (with profits) and non-participating, and can be whole life, limited pay life, endowment or Universal Life. These plans usually have level premiums over the life of the contract and on death pay the sum insured to the beneficiary. Premiums are higher than term insurance and this difference in mortality costs builds cash values used to fund higher mortality costs at older ages. Universal life is a flexible product that combines the two elements that are essential to financial planning under the same contract : affordable life insurance protection and a profitable tax sheltered savings account. With Universal Life you have the ability to change your coverage, deposits and investment choices in response to your changing needs, conditions, or circumstances. Deposits are applied to the policy as they are paid each month or year. The insurance company deducts the insurance cost from the deposits. The excess deposit is then applied to the saving account, which is made up of an investment mix which you may often select and manage.



Any person’s single greatest asset is his or her ability to make a living. The projection of your future earnings over your working lifetime reveals that your earned income is, for most working individuals, their greatest financial asset. Your financial security today and tomorrow, as well as many of your other financial plans, depends on the continuity of your salary or earned income. Your future earnings are dependent on your ability to work, and your years worked. What if a serious disability caused by an accident or illness destroys your earning ability today. Or better question may be – “Can you afford to retire today?” Statistics show that the chances of suffering a long-term disability during one’s working years, are much greater than experience premature death. It is worth noting that although certain accidents have their season, illness knows no season. While advances in medical science has helped to reduce mortality rates, disability survival rates have increased, so the need for continuing income is greater.



The future has a way of arriving unannounced – Be prepared for it! If you are like the average person in Canada your financial situation will change drastically if you suffer a critical illness like cancer, heart attack, stroke, heart bypass surgery and major organ transplants. Have you thought about how you will cope?

FACT: 1 in 3 people will be diagnosed with cancer during their lifetime. 60% will survive more than 5 years. FACT: 70,000 Canadians get heart attacks and another 50,000 get strokes, every year FACT: The financial consequences of a serious illness are often worse than those of death! A ratio of 8 to 1! FACT: You can get lump sum cash to do whatever you want, if diagnosed with any one of 25 major illnesses.

Critical Illness insurance was designed to provide financial support to solve these problems in a way that disability, life, and medical insurance could not. It pays the insured while they’re alive, from $10,000 up to a $2,000,000 maximum tax-free lump sum. The money is paid on the diagnosis of a critical illness , after surviving for 30 days or more, depending on the condition. It is not based on inability to work and full recovery can be made. It offers a unique benefit, as one can spend the money as one wishes.



Long-term Care insurance lets you maintain your financial independence should you lose your physical or mental autonomy due to an illness, disability, or an accident. You are considered to have suffered a loss of physical independence when you are unable to perform at least two of the six activities of daily living: bathing, dressing, toileting, transferring, eating and continence. You are considered to have suffered a loss of mental independence when a deterioration of your mental capacities, caused by Alzheimer’s disease for example, threatens your health or safety. It is another way to protect you and your loved ones. With this coverage you would get:

Payment of a tax-free monthly benefit Freedom to spend the money as you see fit, no receipts required Benefit amounts that varies from between $1,000 to $8,000 monthly Your choice of benefit terms of 2 years, 5 years or a lifetime

Long Term Care insurance can help protect the financial security and lifestyle we have worked so hard to achieve. It provides peace of mind by reducing the fear of outliving valuable savings and other assets and the financial burden on caring family and friends can be lightened.



A registered education savings plan (RESP) is the best financial vehicle to help one save for one’s child’s post-secondary education. Just like an RRSP, the federal government allows one to accumulate investment growth and income on a tax-sheltered basis, until the funds are withdrawn as scholarships or education assistance payments from the plan. In short, RESPs are to education what RRSPs are to retirement, but the contributions are not tax-deductible.

On an individual plan anyone who has an interest in a child’s future can subscribe to a RESP, whether it is the parents, grandparents, godparents, uncle, aunt or even a friend of the child. Any child can be appointed as the plan beneficiary: one’s child, grandchild, nephew, niece, etc. There are no restrictions on the beneficiary’s relationship to the subscriber. RESPs are also available on a family plan basis with each having its respective merits and applications. When a family plan is chosen there must be blood relationship between subscriber and nominated beneficiary.

A number of RESP investment product alternatives are available and these include scholarship trusts, segregated and mutual funds, and self directed RESP plans. However, not all qualify for the CESG of up to $500 per year.


Note: Life & Health Insurance products, applied for through Sherene Cole, are brokered through WellGuard Insurance Agency Inc., unless otherwise specified.

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