Insurance products protect your personal and business assets - and replace your income at various stages of your life. Implementing defensive strategies to improve life insurance, living benefits, group plans, investment + mortgage options. We are independent brokers with access to a wide range of insurance and investment products from over 15 leading providers.
With over 20 years as a CFP Professional and 38 years being self-employed, Ralph has been actively involved in several business ventures: understanding the distinct, ongoing and ever-changing needs of salaried employees and their families, professionals, the self-employed, business owners, commission and contract workers.
With over 20 years as a CFP Professional and 38 years being self-employed, Ralph has been actively involved in several business ventures: understanding the distinct, ongoing and ever-changing needs of salaried employees and their families, professionals, the self-employed, business owners, commission and contract workers.
Services
BestPlan can help you better understand the risks + suitable choices of insurance - term and permanent life, disability & critical illness, investments. Coach how to better uncover obstacles and opportunities, identify missing elements or plan weaknesses. Important information can be conveyed to other needed professionals - improving the quality of advice & your chances to achieve financial advantage.
People usually begin thinking about life insurance with a major event such as the birth of a baby or purchasing a new home. Generally, your needs determine which amount /type of insurance is right. Rates are locked-in for a specified period with guaranteed renewal options to maturity - no cash values.
When budget is a concern, sometimes a single shorter term insurance policy will cover that need initially. At the earliest opportunity, you should look towards improving the plan. Guaranteed renewal rates at the end of each term are usually significantly higher. The reason is that renewal is guaranteed for the next similar term, regardless of continuing good health.
Statistics shown that the chances of suffering a critical illness or long-term disability are greater than death. Protecting your income should be considered an important part in achieving your financial planning goals. How long could you and your business survive if your income stopped as a result of such misfortune?
In today's low interest environment, Canadians are looking closely at their financial, retirement and estate planning needs. Should you switch the holdings in your savings plans to riskier investment that are not guaranteed, for potential better returns? Insurance companies can offer investments that feature death benefit guarantees and other planning advantages under provincial insurance laws.
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