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Serving Toronto and the Greater Toronto Area (GTA)
Does choosing an insurance policy frustrate you?
Are you looking for Disability insurance, Critical Illness insurance, or Long-Term Care insurance (Living Benefits)?
I'm here to help.
I am passionate about Living Benefits, which primarily consist of Disability, Critical Illness and Long-Term Care insurance. These are benefits you receive during your lifetime. I have committed more than 24 years of my career to this special field of insurance.
Here's why you need Living Benefits - Let's begin by asking the following question:
What is your greatest asset?
Answer: Your ability to earn an income, generate and maintain wealth.
It's worth more than you think. In fact, it's worth millions of dollars over the course of your entire career.
Did you know that 62.5% of your premiums can be refunded tax-free if you have no claims? This refund is available at the end of every eight-year period.
I have refunded more than $5 million in Disability insurance premiums through the largest insurance carriers in Canada. My clients took my advice; they did not have to cancel their policies after receiving the refunds and their premiums remained the same!
How do you choose the right insurance policy, given the ever-evolving tax environment, government benefits, and the array of products designed to offer solutions? Does the overabundance of insurance policy choices overwhelm you? What about the legal language of an insurance policy - do you find this difficult to understand?
I will carefully guide you through our policies to help you to choose the right coverage to perfectly suit you and your individual needs.
Recent Articles
Don't Bet Your Retirement on a Simple Approach
Posted on 05-08-2012You have probably heard about the old 70 percent rule that suggests retirees will need the equivalent of about 70 percent of your current income level to maintain their lifestyle in retirement. This assumes that your retirement living costs will be 30 percent less than during your working years. While it may have been applied appropriately for retirees two or three decades ago, it is fraught with significant risk and potential disaster for today’s retirees.
It Doesn't Pay to Procrastinate
Posted on 05-08-2012Many people have no idea. Some people have a vague idea. A few people, a very few, have it all worked out. When it comes to retirement planning, many people don't take action until forced to by a mid-life event (career change, death of loved one) or by hearing about seniors running out of money. It's strange that people find it so difficult to plan for their retirement. As all the basic financial books say, you start by recording your expenses, see where you can cut back, and then determine how much you need to save to achieve your retirement income goals. Yet, far too few Canadians take these presumably simple steps for their own financial success.
How to achieve financial success
Posted on 04-09-2012It is possible for just about everybody to achieve financial success. Getting there is usually not a matter of financial wizardry. By following some basic principles, you can make your financial dreams come true:
Set ObjectivesGoal setting is the foundation of achieving financial success. If you don't have a target to shoot for, how can you expect to hit it? By writing down your goals, you will clarify them and establish your personal and financial priorities. Be specific when setting goals. For example, instead of having a goal to reduce debt, set a goal to reduce debt by a certain amount by a certain date.
