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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
Debt Reduction as Retirement Savings Strategy
Posted on 01-10-2012Statistics Canada recently reported the ratio of household credit market debt to disposable income reached the highest level since the agency began tracking this figure. In 1990 it was 50%, rose to 110% in 2000 and jumped to 149% in the second quarter of 2011. This can cause some angst for those with children reaching post-secondary school age.
Government Benefits Can Boost Retirement Income
Posted on 01-10-2012In a 2010 report to the Minister of Finance, it was found that approximately 160,000 Canadian seniors were not aware of the full range of benefits they were entitled to in their retirement years. In fact, nearly $1 billion in retirement benefits from the Canada Pension Plan (CPP), Old Age Security (OAS) and the Guaranteed Income Supplement (GIS) have not been paid out to eligible recipients.
TFSAs: Flexible Wealth Building Strategy
Posted on 12-12-2011The Tax-Free Savings Account (TFSA) was introduced in the February 2008 Federal Budget and became available January 1, 2009. It is touted by the Government of Canada as "the single most important personal savings vehicle since the introduction of the Registered Retirement Savings Plan (RRSP)."
