Personal Services Overview
Without question, you and your family are the most important assets you can protect. A single unfortunate moment in time can change your lives forever. Unfortunately many do not give this important protection the care and attention it deserves. At Safeguard Insurance & Financial Services Ltd. we do!
A solid foundation built on expert advice and support is the surest way to sustain and achieve growth for the future. Our service goes far beyond placing investments and insurance policies we will help assure your stability, profitability and growth. We will give you our undivided attention as we help you to identify and analyse the risks you and your Family faces. We will provide you with a competitively priced solution that is as individual as you are.
In addition to reviewing your current personal financial and insurance needs, we would be happy to review your group and government benefits to find the ways in which we can maximize your current investments and custom tailor solutions in order to protect you and your family from potential shortfalls in "Your Plan" or from financial losses.
Life insurance is intended to protect your loved ones from financial hardships. With a Total Solutions approach we create the Financial Security safety net that will keep your family financially safe in case of the unexpected death. The proceeds (benefits) are paid tax free and can be used for anything your beneficiary wishes. For example it can ensure a comfortable standard of living for your family, cover educational costs, mortgages, debts, final expenses. Moreover some life insurance coverage can provide tax favoured savings that can supplement your retirement income or can be used to fund business opportunities and more…..
Your ability to earn an income is your biggest asset! Disability Insurance is ultimately" paycheck replacement"; This coverage is intended to protect you from the possible loss of income due to an accident/ physical disability or illness. You may already have some coverage, but it is important that you consider they are not intended to cover all accidents or illnesses. For example, some Group Benefit plans their definition of "Disability" changes after being on claim for two years and may try and force you off of claim. Worker's Compensation only covers work related accident. What happens if you're not at work? Unemployment insurance only covers 15 weeks of insurance – and that's if they accept your application
According to Statistics Canada over 40% of mortgage foreclosures are due to a disability. How long can you go without your income?
Your ability to earn an income is your biggest asset! In addition to reviewing your current personal financial and insurance needs, we would be happy to review your group and government benefits to find the ways in which we can maximize your current investments and custom tailor solutions in order to protect you and your family from potential shortfalls in "Your Plan" or from financial losses.
A critical Illness can happen to anyone. The statistics are frightening. Critical illness insurance is a form of health insurance coverage that provides a lump sum benefit to you should you survive a serious illness or condition covered by your policy. Illnesses such as Cancer, Heart Attack or Stroke can have a significant impact on you, your family or business, both emotionally and financially. Critical illness coverage provides a lump sum of tax-free cash to help you have the financial means to continue treatment, find the right treatment and protect your financial assets at the same time.
Long Term Care(LTC)
LTC insurance benefits provide
- Financial protection in the event of an accident, illness or deteriorated faculties.
- Allows you the ability to choose the quality of care you want in the setting of your choice (better quality of life)
- Eases the caregiving burden for your family members (Dignity)
- Helps you preserve your savings, investments and assets
- Helps you approach the retirement years with more confidence and peace of mind
- Maintain a standard of living for your spouse
Assistance And Guidance
(also in time of loss) should a loss occur
We are dedicated to helping clients and their families. Should a loss occur call us, rest assured that you won't reach one stranger after another at a call centre. Creating Legacies since October of 2000, we understand that when the unexpected happens, it affects us both emotionally and financially. Working with Safeguard Insurance & Financial Services Ltd is a process not an event and in time of need, the following services are there for clients at NO COST:
- We can contact family members and inform them of the passing of a loved one.
- We can assist in going through the deceased's paperwork to find important documents.
- We will assist in the funeral arrangements in the event of death of a family member.
- We can notify the lawyer(s), accountants that a death has occurred to speed up the process.
- We will help make life insurance claims through group insurance, individual insurance and CPP death benefits.
- We can give advice to the executor or to the family concerning financial matters.