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Life Insurance
When you plan for the future, one of the things you count on is continued income for yourself and your family.
Without this income, your family’s lifestyle and standard of living may be at at risk. Should you die prematurely, a new source of regular income will have to be found. Most Canadians use life insurance to address this problem. Life insurance creates an instant estate to support your family in case of your premature death. In addition to providing a tax-free benefit upon death, life insurance has many other applications.
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Employee Benefits
As an employer, you know that your employees are your most valuable resource.
You know how important it is to recruit, train and retain qualified, skilled people. You know that employee morale, productivity and customer service go hand-in-hand.
At Brown Financial we understand these needs and those of your employees. That’s why we offer special employee benefits programs to meet the needs of your growing company.
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Estate Planning
It’s an unsettling question asked by most couples: What will happen to our estate when we die?
This product is designed to insure both spouses’ lives and pay a death benefit when the last of the insured pair dies. The premiums are lower than the premiums on two separate life insurance policies separately insuring each spouse. This is due to the longer life expectancy that the last to die of two people have over the shorter life expectancy of two individuals standing on their own.
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Retirement Planning
What will happen when you retire?
Will you be able to reap the benefits of a lifetime of hard work and wise decisions? Or, will you find that because of a lack of adequate financial planning, you cannot maintain your accustomed lifestyle? Obviously, you want to enjoy your retirement, and all the rewards you’ve earned.
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Disability
Most of us depend on our income for our living. To earn that income, we have to be healthy.
But accidents happen, and people do get sick. That’s when it’s important to have a good disability income policy.
What are your chances of becoming disabled for a period of more than 90 days before you reach the age of 65? And if your disability did last 90 days, what would the average length of your disability be? The following table shows your chances of being disabled more than 90 days, and the average duration of your disability if it does indeed exceed 90 days.
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RESP
An approved tax-sheltered method of saving funds for post-secondary education.
An RESP is a Canadian Government approved tax-sheltered method of saving funds for post-secondary education and certain job-training programs. It can be used at any eligible institution anywhere in the world.
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Critical Illness Insurance
You need more than health coverage — you need protection for your lifestyle during recovery.
Critical Illness Insurance can help protect your finances against the high cost of dealing with a critical illness and rebuilding your lifestyle. It helps secure your finances so you focus on your health.
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Long-Term Care Insurance
Help protect your independence, dignity and life savings when you can no longer care for yourself.
Long Term Care Insurance helps pay for health, social, and personal care needs that other plans or government funds don’t; the plan is designed to help protect your independence, dignity and life savings when you can no longer care for yourself.
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