Personal Insurance

Insurance is a part of life. We see the need to insure our vehicles and homes, so why not ourselves? Personal insurance consists of two broad categories:

1. Life insurance.
2. Disability insurance.

Life Insurance

Life insurance pays out a specific amount of money to a designated beneficiary in the event of the insured’s death. Life insurance comes in various forms, but the three main categories are:

1. Term Life.
2. Whole Life.
3. Universal Life.

We believe in using proper life insurance coverage to provide peace of mind for you and your family. Whether it’s for your spouse, your children, a charity or a business arrangement, we can help. Your situation is unique, and that requires a unique solution.

Disability Insurance:

The majority of people have WorkSafeBC coverage while they are working, but what happens if you get hurt outside of work? If it’s to the point of being unable to work, you may struggle to provide for yourself and your family. Disability insurance will pay a fixed dollar amount per month while you are unable to work.

Disability Insurance can be complex. With proper advice from an expert, you can get the coverage you need at a price you can afford. Here are a few of the questions you will need to consider:

> How much of a monthly benefit do I want?
> How “disabled” do I have to be to receive benefits?
> How long will my benefits last?
> How long do I have to be disabled before I receive benefits?
> What if I am partially disabled?
> How much can I afford to pay in premiums each month?

At Assante Wealth Management, we have the experience needed to get the coverage you need. We will help answer your questions and determine the necessary coverage within your budget.