Planning for the future? Whether you a planning to help your loved ones in covering final expenses, education or disability- finding the right insurance or investment product can seem daunting.
Through our MGA- Financial Horizons Group, we provide a full range of insurance and related financial investment products- representing the leading insurance companies in Canada.
We’re here to guide you and provide all the information you need on life insurance. Our providers provide the best value and most appropriate product for your life insurance needs. We offer access to an extensive range of insurance and related financial products.
Figuring out how much or the type of Life Insurance you need can be challenging (to say the least). It all boils down to how much money your loved ones would require covering future expenses if your income was no longer available.
Use this life insurance calculator to determine your needs.
This calculator is provided by Razor Logic Systems Inc. and is not the responsibility of DOELL OSMAK Wealth Management Ltd and/or LP Financial Planning Services Ltd.
Protect your family or business with term or universal life insurance.
Term life insurance can help protect your family’s financial security by leaving a benefit to cover their expenses should something happen to you.
There are two types of permanent life insurance- whole life and universal life. Whatever your age, health or history- permanent life insurance can help protect the financial security of your loved ones.
- Whole life insurance offers coverage for your full lifetime, and its savings can grow at a guaranteed rate.
- Universal life insurance also offers a savings element (over and above the death benefit), but it features different types of premium structures and earns based on market performance.
Building wealth starts with the right decisions, and the right investments.
An annuity is a contract with a life insurance company where you pay a lump sum of money at the start of the term and, in return, the life insurance company guarantees to pay you a set income, in regular instalments for a specified period of time.
A Guaranteed Investment Certificate (GIC or Term Deposit) is a secure investment and a great option if you’re seeking predictable and guaranteed interest growth.
Registered educations saving plans (RESP) can help cover post-secondary education costs.
This tax-advantaged and tax-efficient education planning strategy can be a powerful savings tool as part of your savings plan.
A Registered Disability Savings Plans (RDSP) is a long-term savings plan designed to help Canadians with disabilities and their families save for the future.
Guaranteed investment funds offer guarantees to help protect your principal investment amount.
They are similar to mutual funds, but they have a distinct advantage: They offer guarantees that protect the amounts invested against market downturns.
Mutual funds aim to create a more diversified portfolio than the average investor could on their own.
Each mutual fund has clearly-defined investment objectives that determine the management of the fund and the types of investments that can be held in it.
When you choose to invest in mutual funds, you purchase units in a specific fund, where each unit represents a share of the fund’s value.