Tel: (604) 924-9152   Email: info@covefinancial.ca

At any time, the unexpected can happen - death, disability or an end to independent living. These events bring unique emotional challenges that are made more difficult when they put a strain on your family's or business' financial resources. The financial future of both your family and your business can be secured in the event of unexpected death, disability or a critical illness with proper planning and quality insurance products.

Protecting your Family - Most of us have a vision and goals for the future, starting with basic lifestyle needs to building financial success leading to long-term financial independence. Some goals are for yourself, some are for your spouse and others are for your children. The bottom line is that there are some goals you would like to secure whether or not you are here and whether or not you are healthy.

Protecting your Business' Interests - Most business owners, entrepreneurs and professionals rely on themselves, their partners and key employees to build financial security. The death, disability or critical illness of a shareholder or key employee can severely impact the success and continuity of a business. Creditors may no longer extend credit, employees may seek employment elsewhere for security, and Canada Revenue Agency may want to collect on its stake in the business. Business partners may be left with obligation to you, your family or creditors that they cannot meet and businesses could fail when there isn't the liquidity to meet these obligations.

Disruption due to death, disability or a critical illness can be effectively managed by:

Creative Solutions are the natural outcome of knowing as much as possible about you and your situation and using expert resources to develop appropriate Risk Assurance Strategies™. Integrating the insurance needs of your personal and business affairs can often streamline your affairs, reduce costs and minimize personal and corporate income tax during your life and at death.

A Risk Assurance Strategies™plan is completed using our Seven Step to Planning Success™ process providing documentation of all analysis and recommendations made. Fees are not charged for insurance specific planning. There may be circumstances where the requested planning includes non-insurance issues for which fees may be charged according to our current fee schedule. Fees must be approved before non-insurance planning is undertaken. For more information about our fee schedule please contact our office.