Insurance Solutions - Are you Covered?
Here are some common errors people make when they buy Life Insurance:
5. When you bought your home and obtained a mortgage, you signed up for the creditor protection plan. Creditor life and disability insurance can sometimes cost twice as much as term life insurance. You can save money, get good advice and a better plan. Contact us for a quote at contact@moneyadvisor.ca . We will send you a detailed report that shows the difference between owning private insurance and creditor insurance FREE!
4. You did the right thing a few years ago and bought an insurance policy for your family’s security. But you have not heard from your agent or thought about it since! Term insurance rates have dropped significantly over the last few years and you are probably paying too much for your current coverage, or you need to update your coverage! MoneyAdvisor.ca can service almost any insurance company’s policy and we would be happy to help manage your current policy or help you save money with a new plan. Contact@moneyadvisor.ca for your free no obligation quote or call us at 403-209-6306
3. You are getting older and now you have responsibilities that you didn’t have before! Maybe you have had or are expecting children, you have purchased a home and have a mortgage or increased your debt. You have started a business and lost your group benefits, acquired debt or have partners. How would your death affect others financially? Life insurance can help ensure you meet the obligations you have even if you pass away unexpectedly. Life insurance is affordable peace of mind. We are experts at helping you determine how much insurance is the right amount and then making sure you buy the right kind of policy for your situation. contact@moneyadvisor.ca
2. You were sold life insurance as a Retirement Savings Plan alternative, you may have even borrowed money through a Heloc (home equity line of credit) to fund it, and then the salesperson tried to recruit you to sell the same plan to your friends and family. This strategy is not for the masses but is sold to the masses by poorly trained and inexperienced salespeople who do not know the damage they are causing or by unethical salespeople looking to make a quick buck. This strategy usually only applies to people who have little or no debt, have maxed their RSP’s or TFSA accounts and have excess cash flow over and above their basic and future needs. For a free report on the why this plan is not right for most people email us at contact@moneyadvisor.ca .
And the number one reason the life insurance you have is probably not the right plan….
1. You didn’t buy your life insurance from MoneyAdvisor.ca Financial Ltd. Over the last 12 years we have become one of the highest volume insurance brokerages in Calgary. Our clients constantly refer us to their friends and families because they know that we will take good care of them. At MoneyAdvisor.ca our advisors are experienced, knowledgeable and adhere to a strict code of ethics. When you buy your life or any other kind of insurance from MoneyAdvisor.ca Financial Ltd you can be sure that you are buying the right coverage at the right price. Call us today at 403-209-6306 or contact@moneyadvisor.ca
Taking time to understand how personal insurance can help protect you, your family and the things that are important to you is a good decision. You’ve insured your home, cars and personal belongings, but what about insuring your most precious assets … your life and health?
MoneyAdvisor.ca can help with:
- Life Insurance – we shop all the major life insurance companies in Canada to make sure you are getting the best value possible!
a. Mortgage and Term Insurance
b. Universal and Whole Life Insurance
c. Guaranteed Issue plans – no medicals – no questions - Disability Insurance – if you cannot work due to illness or injury – who is going to pay you?
a. Self Employed
b. Blue Collar
c. Professionals - Critical Illness Insurance – Cancer, heart attack, stroke etc.
a. Premium Refund plans
b. Guaranteed Issue plans – no medicals and no questions - Long Term Care Insurance
a. Pays for expenses when you cannot take care of yourself and do not want to burden your loved ones. - Health and Dental Insurance – we represent YOU to all the major carriers for:
a. Personal Health and Dental
b. Group plans for small and medium sized businesses - Private Health Services Plans – tax free medical benefits!
a. Health spending accounts for your incorporated businesses!
Call today to book your free one hour consultation! 403-209-6306 or toll free 877-552-1211
MoneyAdvisor.ca provides trusted, experienced Certified Financial Planners held to a strict code of ethics and who are members of The Financial Planners Association of Canada (ADVOCIS).
