Insurance Products - Life Insurance 
Life insurance is a cost effective solution that provides a tax free guaranteed lump sum of money to a named beneficiary when money is needed most.
This product is used in:
Financial Planning
To a young family where the most usual need is for pure protection to replace the loss of income on the death of one or both spouses. Tax free money can be used to pay off the mortgage, reduce debt, provide an education fund and support the surviving spouse while re-establishing their economic life.
Estate Planning
To empty nesters, retirees and seniors where the need shifts from pure protection to tax and estate planning. In this case, tax free money can be used to create legacies for children and grandchildren, to provide a tax deductible charitable donation or to provide cash to pay taxes due at death.
Business Planning
To Business Owners to provide tax free money to fund buy/sell agreements in the event of the death of a partner or shareholder or to provide tax free money to replace the loss of a key employee.
We can help by reviewing your unique situation, explaining the various product options you will have and designing a solution that meets your needs.