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Life is unpredictable and can bring any number of unforeseen tragedies or misfortunes along with it. Whether it is an unexpected illness, injury or death, protecting yourself and your loved ones from the resulting financial loss can prevent a personal tragedy, accident or illness from becoming financially disastrous. Proper insurance planning and choosing the right type of insurance protection can make all the difference in the world - and may be much more affordable than you think! Most of all, a properly structured insurance plan can give you and your loved ones the peace of mind knowing that you are financially protected against the unexpected.
How do you know if you and your loved ones are covered to ensure that your standard of living (and/or or care for dependants) is maintained in the event of unexpected illness, injury, death or disability?
Ask yourself the following questions:
In the event of your and/or your partner’s illness, injury, death or disability, would you, your partner, your dependents or the guardians of your children be able to:
| 1) |
Pay off the existing mortgage debt or maintain payments without incurring financial hardship? |
| 2) |
Cover off on short term living expenses in the event of an emergency, accident, sickness, disability or illness?
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| 3) |
Maintain care arrangements for dependents for the duration needed? |
| 4) |
Fund money needed for education or retraining? |
| 5) |
Fund the cost of final expenses and/or pay off other current expenses like credit cards? |
| 6) |
Replace your and/or your partner’s income for the duration needed to maintain the same standard of living? |
Most group plans only provide coverage for a year or two of income - will that be enough? You may be surprised at how affordable insuring your family for 20 years of income replacement can be!
There is a wide selection of different types of insurance products available, with a wide selection of features and benefits, from a wide selection of insurance companies, to suit a wide range of needs. Needless to say, choosing the right one for your specific situation can be a daunting task without help - whether you know what you are looking for or not.
Nonetheless, whether your needs are for term, universal or whole life insurance coverage, or you want to utilize life insurance for your investment, tax and/or estate planning needs, or you are looking for disability, long term care, or critical illness insurance coverage, a knowledgeable Advisor can and will be happy to assist you.
Our Equity Associates Advisors are your guides and can help you identify the right insurance products and solutions to suit your individual needs and budget. They will shop the market of established Canadian insurance providers to get the most suitable product for your needs at an affordable price, be there for you whenever you have questions, and will help you get the proper coverage in place to fully protect you, your family and your standard of living.
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