Retirement Protection - Critical Illness Insurance is the only product that can truly protect your retirement portfolio during the asset accumulation stage of life.  Many agents work hard developing a "plan" for their clients retirement, only to watch that plan go up in smoke when the client is diagnosed with a critical health condition and doesn't die.  All the effort by the agent and client to develop a plan is no good if it's not protected.

Income Protection - Disability protects your clients paycheck.  At least a percentage of their paycheck.  Considering only about 60% of your client's income is replaced with disability coverage (leaving 40% uncovered).  Disability policies are usually sold with a 90 day elimination period (benefits are always paid in arrears) often leaving months of no income.  Critical Illness Insurance does not have the occupation restrictions that disability insurance does and it provides an immediate tax free, capital based way of replacing income.  It is easier to turn capital into income than it is income into capital.

Our Team has extensive experience in the Life and financial marketplace and provides our advisors with consultative case design, advanced planning and pre and post sale case support.

Additionally, our electronic tools and resources help our advisors be more valuable to their clients.