Life & Financial Services
At Darling Insurance, we have a partnership with Monica Fowler, Financial Advisor. Monica has been in the Industry since 2001 and is committed to offering our clients a full range of insurance and financial services. She will work closely with you to create a long term financial plan. She also offers a wide range of services to business owners.
Having a financial plan can take a lot of worry out of life; especially if your financial advisor is someone you know and you can trust. Monica can offer professional advice for:
Life insurance can be a complicated topic. It fulfills many needs: Income replacement, debt cancellation, estate preservation and creation, tax avoidance or charitable gifting. Contact Monica to discuss your “best” plan.
Business planning is the process of identifying issues that may put your business at risk, such as the death or disability of a key employee or owner, and adopting risk management strategies to minimize, eliminate or transfer these risks. Business continuation strategies are critical not only for the immediate survival of the business, but to ensure that the business can be relied upon to generate the expected value for the owner when they exit the business. Contact Monica to discuss your Business Continuation Planning.
Not every investment product is right for you and not all retirement plans are created equal. Let me help you choose the best product fit for you whether it be a GIC, RRIF, Annuity, RRSP, Segregated Fund, Mutual Fund or a Non-registered investment.
Find out the difference between term insurance and permanent insurance. If your need is temporary such as a mortgage on a house, property cottage or business, then you need a relatively inexpensive product called Term insurance. But if you are looking for wealth growing opportunities in addition to the insurance coverage because your RRSP contribution room is maxed out or you are a business owner who doesn’t have RRSP contribution room then Whole Life insurance and Universal life insurance policies are the solution. They take advantage of allowances by the government for tax-free wealth accumulation. No matter what type of insurance you purchase you are best to buy it young while you are still healthy – you never know what the future holds and you don’t want to wait until it is too late to qualify. Call Monica to discuss your options today.
Is your mortgage currently insured with the bank? If it is, we need to talk. My products are more competitive, will save you money, your benefit will not decrease and it will pay out upon the death of each person not just upon the death of the first spouse. Contact Monica for a free non-obligation quote. You don’t have to cancel your mortgage insurance or pay for this until the policy is issued.
Did you know 1:3 of us will suffer a critical illness such as cancer, heart attack or stroke in our lifetime? Are you prepared financially? Will you withdraw money from your RRSP’s, remortgage your home or go back to work earlier then you should? This is a product that will pay you a tax free lump sum of money if you survive 30 days after being diagnosed with a critical illness (up to 22 illnesses in total). Companies are paying out millions of dollars in claims every year –don’t be the one who doesn’t think it will happen to you – call Monica today to discuss.
Protect the greatest asset – YOU. If you had a money making machine in your home would you insure it? Do you insure your home, car, jewelry? Should you not insure the person who pays for all of these basics? Put disability insurance in place to ensure that your income will continue through a disability or illness. Don’t go unprotected.
While most business owners understand the need to protect against unforeseeable risks related to their capital assets –fire and theft for example –risks relating to another key asset, human capital, are often overlooked. These risks involve the loss of key personnel due to death, disability, or critical illness. Such events can threaten the viability of your business, and the risks are far from remote. Most businesses choose to transfer the risk, usually through the purchase of life, disability or critical illness insurance. The insurance proceeds can insure there is an injection of capital to allow family or management time to put temporary or permanent solutions in place.
If you are a business owner there are tremendous benefits of investing in a group insurance plan for your employees. Such plans can be cost effective in complementing your compensation structure and making your company a more desirable place to work. Both you and your employees have access to medical care, dental care, disability insurance and life insurance and it is more cost effective in a group then individually. The premium is also a business expense that is tax deductible. Call Monica today to discuss a new plan for your business or tender out your existing group business to cut your costs.
I can custom design a plan to meet the needs of any business or corporation. Our plans include: Defined contribution pension plans, Group registered retirement savings plans, Simplified pension plans and Non-registered savings plans.
A post-secondary education is one of the most important gifts you can provide to a child. Not only does it provide better career opportunities and self confidence, it has far reaching economic benefits as well. But since few families can afford such substantial costs to send their children to post secondary school, now is the time to put in a sound strategy and invest in a RESP to help pay for your child’s education.
Contact Us for Life & Financial Services - email@example.com