Insurance
Estate Inheritance Planning
Family Asset Inheritance Planning Purchasing insurance is a way to save money, ensuring the protection of the family, risk mitigation, and asset preservation and growth. With an insurance policy, individuals can be relieved from heavy medical expenses when they are sick, ensure their children receive a good education at any time, have a comfortable retirement after years of hard work, smoothly preserve and pass on family wealth, and provide every family member with a peaceful and happy life.
Insurance is the best carrier of responsibility and love, a proactive preparation for risk prevention, immediate cash availability, a way to achieve big gains through small investments, and another reflection of the value of human life. It is also a necessity for modern family asset planning.
分红人寿保险 Whole Life
Whole life insurance not only provides necessary security for families but also has excellent tax-deferred growth and wealth accumulation functions, making it the preferred choice for many families. In Canada, a country with high taxes, it is even more important to plan for a dividend insurance policy in advance to counter inflation and take full advantage of its tax advantages for retirement and estate planning.
Universal Life Insurance
Universal life insurance, like traditional life insurance, provides life protection. It also allows clients to directly participate in the investment activities of the funds in the investment account established by the insurance company for the policyholder, with the policy value linked to the performance of the investment account operated independently by the insurance company.
Personal Health Insurance
Personal health insurance helps reduce the financial risks of preventive care or medical expenses due to illness or accidents. While government-provided health plans offer coverage for many people's medical expenses, there are still many aspects that are not covered, and these gaps can pose significant financial risks.
For example, depending on the province or region you reside in, you may need to pay for:
- Prescription drugs for treating chronic or severe health conditions
- Emergency medical services provided in another country
- Rehabilitation therapy to promote and restore health
- Purchase of medical equipment to assist with mobility, etc.
Company Policies/IFA Timely Financing Strategies
"Company policies" typically refer to insurance policies purchased by companies to safeguard their financial security under different risk situations. "IFA" stands for "Independent Financial Advisor," a professional who specializes in providing independent financial advice and planning for individuals or businesses.
"Timely financing strategies" refer to financial strategies that involve utilizing insurance policies held by a company to meet its funding needs. This strategy can help businesses obtain the necessary funds in the short term without relying on traditional financing channels such as bank loans.
Insured Retirement Plan
Retirement pension insurance is a social insurance system aimed at providing economic support to individuals who have reached the working age, are older, or are no longer engaged in formal work, ensuring that they can maintain a basic standard of living after retirement. This insurance system has been widely implemented in many countries to help people enjoy basic social security and welfare in their old age.
Disability Insurance
Disability insurance provides coverage if you become disabled and are unable to earn income. It compensates for a portion of your lost income. Disability can be caused by various factors, including injuries, severe illnesses, or mental health issues, and can be of short-term or long-term duration.
Disability insurance can also offer different plans based on the insured individual's needs, including individual insurance plans, group insurance plans, and government plans such as workers' compensation and benefits provided by the Canada Pension Plan.
Earty investment for kids by Whole Life insuranco
Early Childhood Investment Participating Insurance is an insurance product designed to help parents or guardians prepare financially for their children's future education, growth and life. This type of insurance usually combines savings and insurance elements, provides some investment appreciation, and provides dividends or insurance benefits for a specific period of time to support the needs of children.
Critical iliness insurance
Serious illnesses often strike without warning, disrupting your entire life plan. They not only bring substantial expenses but also potentially add extra burdens to your family, casting uncertainty over their future. Critical illness insurance can provide cash assistance to the insured in the unfortunate event of a major illness, allowing them to navigate their path forward with composure and without fear of the storms ahead.
Critical Illness Insurance, also known as critical illness insurance or malignant tumor insurance, is a health insurance product designed to provide the insured with financial protection when suffering from specific serious diseases. This type of insurance usually covers a range of serious illnesses such as cancer, heart disease, stroke, organ transplantation, etc., and when the insured person is diagnosed with any of these diseases, the insurance company will provide a pre-determined benefit .
Visitor Visa/Super Visa Emergency Medicat insurance
When traveling abroad, always remember to bring four items: phone, wallet, passport, and insurance.
You focus on enjoying your trip, leave the rest to us!
Travel Medical Insurance for Visiting Canada
Medical expenses in Canada can be surprisingly high. For those who are not covered by the universal healthcare system, it can be a significant expense and burden. Therefore, when visiting Canada for tourism or family visits, it is necessary to purchase travel medical insurance to help reimburse medical and healthcare expenses incurred during the stay in Canada.
Suitable for: Visitors to Canada, Super Visa applicants, work visa holders, accompanying parents, new immigrants waiting for government healthcare insurance, and individuals whose health cards have expired and returned to Canada.
International Student Insurance
Provides cost-effective medical coverage and short-term travel medical insurance for international students in Canada and their families.
Eligibility:
You must be an international student enrolled in or registered with a Canadian government-recognized educational institution, 69 years old or younger, in good health, a foreign citizen, not a Canadian citizen or permanent resident. The student's parents must be 69 years old or younger and living with the insured student in Canada. Coverage can go up to $5,000,000.
Global Travel Insurance
Provides comprehensive travel insurance for customers with Canadian citizenship, including coverage for emergency hospitalization and medical expenses incurred abroad. According to the regulations of provincial resident healthcare plans in Canada, government healthcare plans only cover a small portion of medical expenses incurred outside the province or abroad due to illness or accidents.
Without travel medical insurance, even minor incidents such as food poisoning, tooth decay, or appendicitis can result in high medical expenses, causing unnecessary troubles during travel. Having insurance makes our trips more worry-free.
