Life Insurance & Financial Planning

Insurance is not just for your personal belongings. Let us help you plan your future and the future of your loved ones.

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Life insurance is a broad term in the insurance industry. It will generally elude to coverages such as disability insurance, heath and dental insurance, and even financial planning. Due to the complicated nature of life insurance and the fact that everyone should have their life insurance adjusted to fit their needs, it is suggested that you contact us to have a sit down meeting to discuss your future plans.

When it comes to life, no one has everything figured out because life is complicated and it is impossible to accurately predict the future. Make sure you have yourself and your family protected from the unpredictabilities of every day life.

Examples of Life Insurance Coverages:

Life Insurance

Let us help you plan your future and the future of your loved ones after you're gone.

Life insurance comes in two distinct forms: term and permanent. Knowing which option is best for your family can be daunting without the proper guidance from a professional. Make sure you have all of the available information before you make your life insurance decisions.

Term Life Insurance

Term life insurance is ideal for temporary and lifetime protection of your family. Coverage will be set for a certain number of years and has many affordable choices available. It can maintain your family's current lifestyle, pay off your mortgage, or provide money for your children's education when you are gone.

Permanent Life Insurance

Permanent life insurance or whole life insurance offers protection until the owner cancels the plan or passes away. Having a life insurance plan that covers you until you are gone has its benefits. It will allow you to ensure that you are able to financially help your family by leaving an inheritance so they can still enjoy their comfortable lifestyles.

Universal Life Insurance

Universal life insurance is more flexible than the permanent life insurance plans. Offering many of the same features as the permanent life insurance plans, but allowing you to customize your plan when you buy it. Universal life will offer you the additional advantages of saving tax-free money and increase your wealth by investing money within your policy.

Contact us today to get your life insurance needs taken care of. Don't allow the confusion surrounding life insurance stop you from making sure your family will be properly protected when you are gone.

Disability Insurance

Income protection is often an overlooked coverage available to every Canadian. We take our incomes for granted until we no longer have one. Weather you need to insure your main source of income or supplement the coverage provided from your employer, we can help you find a plan that will give you piece of mind on job. Contact us today to find the perfect plan for you.

Critical Illness Insurance

We all convince ourselves that we are as close to a super hero as possible when it comes to critical illnesses. We never believe it could or would happen to us. Illness doesn't care if you go to the gym everyday and eat your vegetables. Simply put, it can happen to anyone.

If you are hit with a critical illness the last thing you are going to want to do is worry about finances. Critical illness coverage is there when your mortgage payments, household bills, and lifestyle requirements are affected by your illness. Don't wait until it is too late, Contact us today to find the perfect plan for you.

Health & Dental Insurance

Health and dental insurance offers you the benefits that your place of employment does not offer or that is not adequate enough for your families needs. There are several different packages available and everyone has different benefit needs. Please contact us for more details about health and dental plans.

Retirement and Investment Products

Retirement planning prepares you for being able to enjoy the fruits of your labour when you retire. There is a constant need to re-evaluate your current resources during all stages of your life. Ensuring your comfort and lifestyle upkeep when you retire is not an easy task. If we can't predict the future, we can at least make sure we are prepared for what happens after we retire. It's never too late to start saving for your retirement, as every penny helps.

Investment planning is nothing you want to undertake without the proper research. Your unique investment plan will have to consider your retirement goals, risk tolerance, need for income and the amount of time you are going to be investing for. Most people shouldn't do their own dental work, just as most people shouldn't let their bar stool friends choose their investment portfolios.

Please contact us for more information and find out how we can make your future brighter.

Mortgage Protection

Protect your family, not your lender or bank

Your home is most likely the largest investment you will ever make. Before you sign any mortgage insurance with your bank, it would be worth taking a look at what your options are.

There are many benefits to having mortgage insurance through your life insurance broker over your lender. Examples of the beneficial advantages of insuring your mortgage with your broker are:

  • You name the beneficiary
  • If you take your mortgage to another company, you keep your insurance. No need to re-qualify
  • If you die, the death benefit is paid to your beneficiary who can use it as they see fit. Lenders will usually require the payment to only pay off the existing mortgage
  • Your coverage amount does not decrease overtime unless you choose to decrease it
  • You can choose different forms and choose to carry a death benefit to cover more than just your mortgage
  • Once you pay off your mortgage, you can choose to convert your mortgage insurance to a permanent plan
  • Often less expensive than the bank/lender option

Group Benefits

Healthy and happy employees always show up to work

There is more to group benefits then choosing the cheapest or the "most popular" plan being offered to you. You have to consider your hard working employees and what would make them more dedicated and loyal to their positions.

The professionals at Elliott Insurance Services can help you find a group benefits plan that is the best value and fit for your companies needs. With the vast amount of plans and the different requirements for every company, we suggest you contact us today to find the perfect plan for your business.