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Income Protection

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What If?
Within the word, life is the word IF. The IF is what can put a damper or a complete roadblock to immediate plans for yourself, your family or your business as well as any long-term plans.  Many events we encounter we have no control over when they happen.  Proper planning can lessen the impact.

  • Take care of the immediate challenge

  • Income replacement/ protection

  • Protect your home

  • Cover debts

  • Maintain a comfortable standard of living

  • Potentially protect your assets and/ or estate from creditors, probate, and taxation

  • Transfer your wealth/business smoothly and efficiently to your heirs

Changing Income Protection Needs

Immediate Needs

Immediate Needs

  • 360 degree planning

  • Income protection

    • Life insurance

    • Disability

    • Critical illness

  • Mortgage cancellation/protection

  • Debt/liability protection

  • Family protection

    • Retirement plan

    • Education

  • Health insurance

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Ongoing Needs

  • 360 degree planning

  • Estate planning

  • Tax Planning/efficiencies

  • Debt elimination

  • Retirement protection

  • Efficient asset transfer

  • Family legacy

  • Healthcare

  • Life insurance

Ongoing Needs
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Business Needs 

  • 360 degree planning

  • Business succession

  • Funding buy/sell agreement

  • Debt protection

  • Liquidity

  • Capital dividend account

  • Protecting key employees

  • Employee benefits program  

    • Reduces turnover

  • Corporate life insurance

Business Needs 
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