Personal Services Overview 

why choose us

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.


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Life Insurance 

a

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…..

Disability Coverage 

(paycheque replacement)
b

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.


Critical Illness 

c

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) 

d
LTC Insurance is one of the hottest products in the insurance market place. LTC insurance helps pay for the care you need when you can no longer care for yourself. LTC insurance will "insure" you have CHOICE "most people want to choose were they go, instead of having to go where they are told". Our current medical system cannot sustain the growing pressures of our aging population and the wait for acute care beds are increasing. The wait for Long Term Care beds can be up to four years.

 

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

Contact Us

SafeGuard Insurance &
Financial Services Ltd.
1522 Main St E. Unit 1
Hamilton On, L8K 1E8
 
Ph (905) 962-7797
E-mail: info@safeguard-ltd.com

Testimonial

Peter Cory - Oakville, On.



Health & Dental

e

If you are one of the millions of Canadians without an employee health plan, you know first-hand that your Government Health Insurance Plan coverage only goes so far. You regularly have to pay routine, basic expenses like drug, dental check-ups, eye wear and massage therapy out of your own pocket. Those bills can add up quickly.

Safeguard Insurance & Financial Services can custom tailor the type of coverage that fits your needs and budget by shopping around and getting the right plan at the right price for you and your family. Feel free to contact us for more information.



Travel Insurance

f

Travel insurance is coverage that is intended to cover medical expenses, financial default of travel suppliers, and other losses incurred while travelling either within one's own country, or internationally. Travel Insurance can cover exactly the duration of that trip, or a "multi-trip" policy can cover an unlimited number of trips within a set time frame (usually 1 year). Coverage varies, and can be purchased to include higher risk items such as "winter sports"

We offer industry leading coverage through Manulife. To purchase your
Visitor's to Canada, Student Travel, Out of Province and Travel Insurance.

CLICK HERE


TRAVEL INSURANCE FOR VISITORS TO CANADA

Family or friends coming to stay? You may be planning a few day trips to tourist areas, outings to some local spots of interest, or culinary experiences you'd like to share. Travel for Visitors to Canada can be purchased prior to your visitors' departure or after they arrive. This gives you and them the comfort of knowing that they have financial protection against the cost of emergency medical care during their visit in Canada.

TRAVEL INSURANCE FOR CANADIANS TRAVELLING OUT-OF-PROVINCE

Are you going to the USA for business for a day or two? Perhaps you're exploring Canada's coast, heading to the Caribbean or travelling overseas? Travel insurance for Canadians travelling out-of-province protects you against the cost of unexpected emergencies that may occur during your trip.

TRAVEL INSURANCE FOR STUDENTS

Are you a Full-Time Canadian student studying away from home, either outside your home province or outside Canada? Are you an international student studying in Canada? We can offer a solution.

Things To Consider
  • Your government health insurance plan may not cover all emergency medical expenses.
  • Your credit card coverage may be limited.
  • Your employee benefits plan coverage may be limited.
  • You may need coverage for a range of situations.

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.