We are committed to meeting your needs through knowledgeable and objective insurance and estate planning advice.
Individual insurance products protect the financial security of you and the people that you love the most. As independent Insurance Advisors, we are not tied to any one insurance carrier, which gives us the flexibility to investigate the marketplace and develop the optimal solution for our clients. Working with a PI Insurance Advisor or with our external partner, O’Neill Group Global Inc., you will receive expert strategic advice on your life, accident & sickness, critical illness, disability and long term insurance needs.
Segregated Funds are similar to mutual funds from an investment perspective, but offer a number of advantages including:
- Principal guarantees at maturity and death
- Predictable and sustainable retirement income
- Market gains can be locked-in and guaranteed
- Potential creditor protection
- Death benefit proceeds go directly to the beneficiary, bypassing your will and probate fees
An annuity is the simplest option to provide retirement income. In exchange for a lump-sum of money, an insurance carrier will provide you with a stream of payments. The income you receive is a combination of interest and return of principal. These payments are guaranteed to continue for as long as you are alive, regardless of changes to interest rates and market conditions. An annuity is an excellent investment vehicle for individuals looking for stable and tax-advantaged life long income.
As a business owner, you have spent countless hours developing your company. While you focus day-to-day on building your organization, you should take a moment to consider the severe impact to your bottom line from any number of situations. Insurance plans can be utilized to address a wide variety of risk management objectives. We can assist you in providing a customized package of solutions to meet your needs including:
- Buy / sell insurance
- Business overhead insurance
- Key person insurance
- Corporate insured annuities
- Benefit plans
- Retirement plans