• Universal Life Insurance
  Universal life insurance offers many benefits to our clients including the tax-free growth of investment income within the life insurance policy as well as providing tax-free/probate-free and creditor protected proceeds to be distributed to your loved ones. The multi-faceted benefits of universal life insurance products is what makes it such a powerful financial planning tool.

• Registered Retirement Saving Plans (RRSPs)
  Registered Retirement Savings Plans (RRSPs) were introduced in 1957 to provide an income tax incentive to save money for retirement.
  
  The Canada Revenue Agency allows you to contribute to an RRSP which can be used to reduce your taxable income. For 2007, an individual can contribute up to 20% of the previous year's earned income up to a maximum of $19,000. The principal and earnings invested in an RRSP grow on a tax deferred basis.

• Tax Planning
  We offer an array of products and services that offer great tax advantages for our clients. These products and services are essential to any financial planning strategy in order to maximize capital growth and enhance investment returns.

• Segregated Funds
  Segregated Funds are investment funds maintained by a life insurance company and are fully segregated from the company's general investment funds, as required by law. They offer our clients the ability to invest in mutual fund type products, while offering the advantages of a maturity guarantee, a tax-free/probate-free death benefit guarantee, as well as offering protection from creditors.

• Critical Illness
  Critical Illness products help protect our clients from the negative financial effects associated with a debilitating illnesses. Our Critical Illness products help our clients by providing them with prompt medical care, access to top-notch doctors and facilities, financial assistance for medical expenses as well as monetary settlements to help compensate policy holders for the loss of quality of life.

• Emergency Fund
  An Emergency Fund is one of the major benefits of life insurance because it offers a reserved death benefit fund to protect your family against unexpected costs. The loan values of a life insurance policy also constitute and are often referred to as an Emergency Fund for policy owners while living.

• Dollar Cost Averaging
  The periodical investment of a fixed amount in specific investments at regular set intervals, regardless of the price of the investment purchased, usually resulting in the average cost of the investment units being lower than the average of their current prices.

For further inquires regarding the above products or any other products that may not be listed here, please feel free to contact us at 905-882-9728 or Toll Free at 1-866-882-9728