What is Long Term Care Insurance?

Long Term Care Insurance provides an income if you become unable to care for yourself, for example as a result of accident, illness or deteriorated mental abilities.

The income benefit can:

• protect you against the financial impact of dealing with
  a long term care need
• allow you the ability to choose the quality of care you
  want in the setting of your choice
• ease the care giving burden for your family members
• help you preserve your savings and investments

What is Disability Insurance?

Your earning potential is a far more valuable asset than your automobile or your home. Disability insurance is designed to protect you from the possible loss of income. What's the possibility of this happening? It's more than you'd imagine. Why should you consider it? It's the only sure way to provide guaranteed coverage and guaranteed premiums.

What's the possibility of this happening?

What is Critical Illness?

Critical Illness insurance provides you with a lump-sum payment to be used however you see fit. Critical Illness insurance is a relatively new form of protection that provides money while you are still alive. It has tremendous flexibility if you become critically ill because there are no requirements for how you spend the lump sum amount of money that you receive. You don't have to obtain approval for expenditures, you don't have to provide any receipts, and you don't even have to spend the money on medical expenses.  If you want to try alternative therapies, be treated in South Africa, hire someone to take care of you, or you want to hire a nanny to take care of your children... you choose how to spend your money.

Suffering a critical illness or condition is more likely than you think.

• 1 in 2 men and 1 in 3 women are predicted to develop heart disease in their lifetime.
• There are 40,000 to 50,000 strokes in Canada each year.

Note: 88% of all claims paid have been for heart, stroke and cancer.