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Life insurance can provide financial stability for the people you care about when they can no longer rely on your income, work or support.
Matthew Lawrence, QAFP®, Financial Advisor, helps you determine what needs protecting, how much coverage may be appropriate and how long that protection should remain in place.
LIFE INSURANCE FOR NIAGARA AND ONTARIO. PROUDLY CANADIAN.
LIFE INSURANCE FOR NIAGARA AND ONTARIO. PROUDLY CANADIAN.
A policy amount is not a protection plan.
A policy amount is not a protection plan.
A mortgage balance is only one part of the picture. Your family may also depend on your income, childcare, household responsibilities and contributions toward future goals.
Existing policies may no longer reflect your circumstances and coverage selected without a clear purpose can leave important needs unprotected or create unnecessary costs.
Start with the people that matter.
Start with the people that matter.
Life insurance planning begins by considering what would change financially if you were no longer there.
Matthew reviews your existing resources and coverage, identifies the needs that would remain and helps you consider the amount, duration and type of insurance that may fit.
The goal is appropriate protection for clear reasons - not insurance for its own sake.
A recommendation should come with the reasons.
A recommendation should come with the reasons.
You work directly with Matthew, with the purpose, cost and trade-offs of each option explained in plain language.
His QAFP® background brings a broader perspective to how life insurance connects with your income, debts, investments, business interests and estate intentions.
What can life insurance help protect?
What can life insurance help protect?
Income and Household Continuity
Income and Household Continuity
Help your family maintain its financial footing and meet ongoing expenses.
Mortgages and Other Debts
Mortgages and Other Debts
Provide funds that can reduce or eliminate financial obligations.
Children and Other Dependants
Children and Other Dependants
Support childcare, education and the future needs of those who rely on you.
Estate Costs and Taxes
Estate Costs and Taxes
Create liquidity for taxes and other obligations that may arise at death.
Legacy and Charitable Goals
Legacy and Charitable Goals
Provide an inheritance or support an organization that matters to you.
Business Commitments
Business Commitments
Help address ownership, debt and continuity needs connected with a business.
Frequently Asked Questions
Frequently Asked Questions
Term or Permanent Insurance?
Term or Permanent Insurance?
Term Life Insurance: Coverage for a defined period, often suited to temporary needs such as a mortgage or income replacement during your working years.
Permanent Life Insurance: Coverage designed to remain in place for life, subject to the policy terms. It may be considered for estate, legacy or other long-term needs.
Some situations may call for a combination of the two. The appropriate structure depends on what the coverage needs to accomplish.
How much life insurance do I need?
How much life insurance do I need?
There is no universal number. Your income, debts, dependants, existing assets, current coverage and future goals should all be considered.
Can my existing life insurance be reviewed?
Can my existing life insurance be reviewed?
Yes. Existing personal, workplace and creditor insurance can be considered together before deciding whether any change is appropriate.
Will I need a medical examination?
Will I need a medical examination?
That depends on the insurer, coverage amount and type of policy. Some applications require medical evidence, while others may offer simplified underwriting. The available options and their trade-offs can be discussed before you apply.
Begin with who and what would need protection.
Begin with who and what would need protection.
You do not need to know the right policy or calculate the coverage yourself.
Complete the short form and tell Matthew who or what you want to protect. He will follow up personally to discuss your circumstances and the next step.
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