Life Insurance

Life Insurance

Life insurance can be affordable and easy to understand. Fresh Start offers simple ways to protect yourself and the financial well-being of your family. Life events like getting married, starting a business , or the sudden death of a loved one can affect your financial situation.

If you were to suddenly pass away, how could you protect what matters most to you? With term life insurance, you can:

  • Provide an income for your family
  • Pay the outstanding balances on your debts and mortgage
  • Provide for you children's education
  • Set up a fund for emergencies, such as sudden illness, home repairs, vehicle problems, etc.
  • Pay for your final expenses

Getting Married

Congratulations! The union whether it be legally married, or a common-law relationship will undoubtedly mean big changes in your life. As a couple, understanding how you depend on each other is crucial for planning a secure future.

Life Insurance can help build your financial foundation. Term insurance is particularly effective:

  • It's affordable - Premiums are low, which means you keep more money for your lifestyle items.
  • It's available when its needed - delays associated with converting hard assets into cash will not be faced. What's more, it is not subject to expensive, time-consuming probate delays.
  • It just makes sense - your beneficiary is free to use the money on whatever is deemed most important at the time: paying down the mortgage, taking some time off of work, or making arrangements to catch up on unused RSP contributions.

Starting a Business

Starting on sound footing is what everyone wants when starting a business, Life insurance can help. Have you protected yourself and your family from some of the risks of working for yourself?

By providing a source of cash, life insurance can help to sustain your business and ensure continuity if you were to pass away. The funds can be used to cover taxes and final bills, provide cash flow during the transition period, recruit or train your replacement, or buy out shares in the business.

Life and health insurance may be more affordable than you think, plus if you're self-employed, you may be able to deduct the cost of your health insurance premiums from your business income. More importantly you will have the satisfaction of knowing you have protected yourself and your family.

Your Final Expenses

There is a long list of expenses associated with death. In addition to the taxes on your assets, there are funeral expenses, probate fees, the cost of legal and accounting services that may be needed to deal with your estate's financial affairs, plus hefty additional expenses if the death occurs out of town. Even your executor is legally entitled to compensation.

To make matters worse your assets may be frozen until your estate is settled. Meanwhile, your family has to come up with the money to pay those final expenses while still covering all of its day-to-day living expenses.

With life insurance, your family will be able to meet its financial obligations. And that is one less thing to worry about.

Get your free life insurance quote. or if you have any questions or concerns call 1-877-331-0516 or you may send an email to us here.

Long Term Care Insurance

Long Term Care Insurance (LTC) is steadily becoming an unavoidable part of financial and retirement planning. When looking at the rising costs of care and knowing that one cannot depend on the family to live in close proximity, or be able to meet the needs of someone requiring long term care, it becomes clear that protecting your assets and leveraging insurance dollars are a must.

People who require long-term care are generally not sick in the traditional sense but are unable to perform the basic daily living activities, like dressing, bathing, eating, or walking.

Age is not always a determining factor in long-term care needs. Statistically about 60% of people of the age 65 will require at least some type of long-term care services during their lifetime. Around 40% of people currently receiving long-term care today are between the ages of 18 and 64. Once a change of health occurs, long-term care may not be available.

Long-term care insurance policies can cover things like home care, assisted living, adult daycare, hospice care, nursing homes, and Alzheimer's facilities up to the policy benefit maximum.

It is important to work with someone who knows the options available.

Get your free long term care insurance quote or if you have any questions or concerns call 1-877-331-0516 or you may send an email to us here.

Business Insurance

Business Insurance, or Key Person - Buy Sell Insurance is used to protect businesses from costs associated with the death or disabilty of a key employee.

Funds made available from a Key Person Insurance policy can be used to:

  • Provide funding to pay-off or down business debt
  • Replace lost revenue generated by the Key Person
  • Hire temporary or permanent replacements
  • Engage consultants to help pursue the best future course of action
  • Fund the buy-out of an owner
  • Pay continuing expenses during a transitional period

An Employee is generally considered a Key Person if he or she is:

  • An Owner or Partner
  • An individual responsible for generating significant revenue
  • A highly educated, technical or skilled employee
  • An individual who has indemnified lender(s)

Key Person insurance includes:

  • Life Insurance
  • Disability Buy-out Insurance
  • Business Overhead Insurance

What problems could you and your business encounter if your partner suffers a long term (permanent) disability? Find out here

Get your free business insurance quote. or if you have any questions or concerns call 1-877-331-0516 or you may send an email to us here.

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