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In it’s simplest term, life insurance is a policy (contract) promising to pay a sum of money upon the death of the life insured. Proper life insurance planning is possibly one of the most important aspects of any financial plan. It is also one of the least understood. For a minimal investment (the premium) Guthrie Insurance can help you guarantee substantial sums of cash for the financial well-being of dependents or other financial obligations, even charities. There are very few investments that can deliver this kind of return.

If you arrange a policy of life insurance on your spouse, for example, the policy pays the beneficiary the specified sum upon their death. Life insurance is a key component in financial planning for individuals, families and businesses. As the proceeds are generally paid out “tax free”, life insurance can buffer the effects of estate or investment taxes. Upon the issuance of a policy, an immediate estate is created which could often take a life-time of saving to accomplish.

The challenge in arranging the proper amount and type of Life Insurance is always the budget available. It takes discipline and a proper understanding of your future financial risks. Often, lifestyles can be adjusted so that the funds can be made available to properly look after dependents. Like anything, it is always about priorities.

Term life insurance provides very affordable protection for the duration of the term period and benefits will be paid only if the insured dies within that time. Most Term insurance is guaranteed renewable for one or more additional terms, even if your health has changed. However, at each renewal term e.g. 5, 10, 20 or other, years, the premium will be higher based on your then age. Typically, most Term life insurance policies will expire at a specified age. It is generally considered that Term insurance provides the largest immediate death protection for your premium dollar, because Term provides only for death protection. Some Term policies are convertible, allowing you to change the Term policy to a Permanent e.g. Level Term, or Whole Life policy even if you are not in good health. Premiums for the new policy will be higher than those the you have been paying for the Term insurance (at least initially).

Mortgage insurance pays your lender for repayment of your mortgage; while the proceeds of a personally owned life insurance go to your family. Both essentially serve the same purpose; however, regular term or permanent Life Insurance offers you more flexibility to take care of your family or business. It is worth your time to know the difference.  If you were the primary policy holder, and you passed away, but had obtained mortgage life insurance on your Ontario home, the policy would pay out a capital sum that would be just sufficient to repay the outstanding amount left in the mortgage.

Critical Illness pays a single lump-sum amount typically 30 days after diagnosis of an insured illness specified in the policy. Some of the common conditions covered include heart attack, cancer, stroke and others. Coverage limits generally start at $25,000 and are available up to $1,000,000. Contact us now for critical illness quote.

An individuals most important financial asset is their ability to earn an income. Disability insurance provides for continuance of salary if an insured person is unable to work due to a qualifying injury or sickness. The scope of the disability plan, and the options available, can make the coverage very limited or very comprehensive. Factors to be considered include the definition of disability, own occupation coverage, whether the policy is guaranteed, future insurability options, and return of premium options. Relying only on WSIB leaves you uninsured for 2/3 of the day!

You have worked hard to build your business, a comprehensive group benefits plan can help by providing security for your employees. Aside from the obvious benefit of attracting and retaining quality employees, a properly structured employee group benefit plan can help smooth out unexpected costs, and provide significant financial security. Coverage typically includes extended health care, prescription drug coverage, dental benefits as well as disability income and your premium may be tax deductible as a business expense.