Forward Thinking Insurance

Workplace health can be essential to the long term success of your business. Consider adding or updating an affordable, sustainable group benefits plan that protects the health and well being of your employees and their families, which can help increase productivity, keep staff working, engaged and fulfilled.

To get started on a new group benefits plan or to upgrade your current one, please contact me.
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Critical illness insurance can provide options, choice and independence. It also can reduce stress and potentially speed up recovery.

More Canadians are surviving an initial major health event (cancer, stroke, heart attack) and require time away from work to recover.

A benefit can pay for out of pocket costs for meds, replace lost income, hire some extra help, and most importantly give peace of mind so that the focus can remain on recovery.

Critical illness insurance plans have decreased over the years in price. There has never been a better time to be proactive and obtain some coverage to protect you and your family in the event you become ill.
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Paperwork errors when filing life insurance applications can potentially cause carriers to deny claims.

Make sure to work with a qualified advisor that can look over all of your paperwork to ensure that you have everything in correct order so that when it comes to make a claim, there are no potential issues.
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As we all know, things in life can change quickly. Our goals, our needs, our responsibilities.
Perhaps when you obtained your life insurance policy, your needs were different than they were today. You may have a term policy that needs more coverage. You could need to convert your coverage to a permanent policy.

Whatever the case may be, it is always a good idea to go over your most recent needs with your advisor.
Reach out anytime to go over your circumstances and see if changing your policy is something to consider.
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Pre-existing conditions are health conditions that can impact one’s life expectancy and can be something that requires special attention and care on an ongoing basis.

Many insurance carriers can require those with pre-existing conditions to complete a medical exam and face potentially higher premiums, but ultimately approve a policy.

Providers have options for those with pre-existing conditions and your advisor can help you determine which type of policy works best for you despite your medical circumstances.
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