Life Insurance

People may buy life insurance five to seven times over the course of their lives; when they marry or form a significant partnership; when they have a first child and any subsequent income; when they purchase a house; in their peak earning years; when they retire; and when they begin to wind down their estates and plan their wills.

Once obtained, life insurance can fulfill the needs as noted above. But insurance is not just for death. Life insurance can now be used tax free for any disability or critical illness during our lives. It can be used as a tax free supplement to a retirement plan and it can be used to fund any long term care needs we may eventually have.

Insurance is the most important element in any financial plan.

Manulife software has been provided to assist with a calculation of applicable rates and product description. Try it out! I would be pleased to assist with a needs analysis and /or a further explanation of product details.