Risk Management What is risk management? Do you need insurance?

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Risk ManagementWhat is risk management? Do you
need insurance?
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• If youre married, how much do you contribute to
  the family budget? If something happened to you,
  could your partner get by without your income to
  support the family?
• Does anyone else depend on your income, such as a
  parent, grandparent, sister or brother?
• If youre a single parent, are you receiving any
  support payments? Would these payments be kept up
  in the event the contributor gets ill or dies
  prematurely?

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• If you have children, do you want to put aside
  money towards their education in the event of
  your illness or death?
• Do you have a mortgage on your home? Do you want
  it to be paid off if something happens to you?
• Are there any other family members to whom you
  would like to leave an inheritance? What about
  your church or favourite charity?
• Risk management is a proper planning to protect
  you and your family against unexpected illness or
  premature death.

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Critical Illness
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• Getting sick isnt something any of us like to
  think about. But it happens. Thanks to
  improvements in healthy living and medical
  science theres a good chance youll recover and
  get on with your life but getting better costs
  money.

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• The cost to treat and cope with a critical
  illness is often significant and unexpected.
  Thats where Critical Illness insurance can help.
  It provides a cash benefit if youre diagnosed
  with one of the covered conditions described in
  your contract and you survive the waiting period.
  
• You can have proper protection when you need it
  and if you never get sick, or surrender your
  policy, you can have all your premiums back.

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Disability Insurance
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• If you become disabled, your ability to earn
  income may be compromised, and your ability to
  pay bills or save for retirement may decline. Our
  disability insurance plans are designed to help
  you meet your income requirements so you can
  concentrate on recovering from your disability
  and returning to an active life. The peace of
  mind that income protection can provide is
  available for professionals, business owners,
  business executives, and full-time, part-time or
  home-based workers. Whether you need to secure
  your main source of income or to supplement the
  coverage you receive from your employer or an
  association, we can help by providing a
  comprehensive and portable plan you can rely on
  throughout your working years.

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Life insurance
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• Having the right life insurance protection can
  make a big difference in your life and the lives
  of those close to you. A proper financial
  security plan that includes life insurance can
  mean the difference between leaving your estate
  financially secure and leaving behind debts and
  an inadequate income
• To find out about my complete range of
  life, disability and critical illness insurance
  plans, contact me today.
• It may be the most important financial planning
  decision youll ever make.