Life Stages

I want to understand your needs, recognizing they may change as you proceed through life's stages.

As you start your career, you may want to:

• Purchase life and disability insurance to cover your income or protect your ability to earn an income
• Purchase term life insurance or critical illness insurance as a cost-effective way to cover an outstanding mortgage or debt
• Purchase health and dental insurance coverage if your employer does not offer a group benefits plan

Having children changes your life and your needs. Now is a good time to:

• Review your financial security plan
• Plan for your children's education with options such as a registered education savings plan (RESP)

If you own your own business, you may want to:

• Buy insurance to help cover outstanding business loans or mortgages if you die or suffer from critical illness
• Purchase a health and dental insurance plan
• Consider group insurance options for your employees

If you are retired or plan to retire soon:

• Insurance can help supplement your income and can help you leave a legacy
• Health and dental insurance coverage can take over if your benefits through your employer end upon retirement