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LIFE INSURANCE

 

Life is unpredictable. While you can’t foresee the future, you can protect yourself, your family & even your business with insurance.  Our knowledgeable brokers will assess your current situation and your objectives, then design a personalized package just for you.

 

What Types of Products are Available at Blair Insurance?

 

  • PERSONAL LIFE INSURANCE
  • MORTGAGE INSURANCE
  • CRITICAL ILLNESS
  • DISABILITY
  • BUY/SELL INSURANCE
  • RESPS
  • HEALTH INSURANCE

 

Personal Life Insurance:
A life insurance policy is a tax free lump sum of money paid to your beneficiary in the event of your death. Policies available are: Term, Permanent, Mortgage, Universal Life or a combination of any of these.

 

Mortgage Insurance:
Life insurance is often referred to as mortgage insurance when its purpose is to protect dependent survivors against paying a loan or mortgage.  We can work with you to determine the right kind of coverage for you and your family.

 

Mortgage Insurance from the Bank vs. Personal Life Insurance:

 

Description

Bank Mtg Ins.

Personal Life Insurance

Does sum of the insurance remain level?

No

Yes

Do I own the policy?

No

Yes

Can I choose the Beneficiary of the policy?

No

Yes

In a common disaster, will a death benefit be paid for both my spouse and I ?

No

Yes

Is the coverage portable?

No

Yes

Are preferred rates available if I’m in excellent health?

No

Yes

Is the Insurance plan Convertible?

No

Yes

Can I continue the coverage after the mortgage is paid?

No

Yes

Compare Decide for yourself who would you rather have control your insurance policy … The Bank or You?

 

Critical Illness:
This protection pays you a non-taxable lump sum if you are diagnosed with a life threatening illness such as cancer, heat attack, stroke, kidney failure, blindness, Alzheimer’s, paralysis etc.  The proceeds of the policy can be used to cover your drug costs, travel, alternative treatments, home alterations, private nursing or other necessary expenses.

 

Disability Insurance:
Protects your earning ability from a disability, injury or illness.  Disability insurance provides a monthly income replacement benefit if you become disabled and can no longer earn your regular employment income.

 

Business Insurance:
Proper business planning, buy-out funding, exit strategies and payment of capital gains tax are important issues to most business owners.  Business Policies are designed to protect a key person/partnership.

 

What would happen to your business if something happened to you, your business partner or a key employee?

Life Insurance is one key element of a successful transition.  It provides an important safety net during these stressful times. Life Insurance can relieve the financial pressure so you can focus on maintaining your business.

Contact Us Today to discuss
your insurance needs.
We're Standing By.

Contact Blair Insurance

 

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