One of the reasons why it’s difficult to time the market is that investment decisions are often clouded by media hype and other emotional influences.

 

Chart source: Westcore Funds / Denver Investment Advisers LLC, 1998

A well administered Retirement Plan is an essential part of retaining valuable employees. If you want key individuals to become loyal long term contributors, they must have a comprehensive benefit plan that makes them feel secure. Offering retirement benefits also means significant fiduciary responsibilities for you as an employer.

Only insurance companies offer segregated funds. The funds offer all the growth potential of other investment funds such as mutual funds and more. They offer guarantees that can be reset to lock-in the growth of your investment and protect your capital. They also offer other attractive features, such as creditor protection, and freedom from probate fees.

Enhanced SunLife Critical Illness Insurance is now available. Enhancements include:

• Long-term care (LTC) conversion option
• Optional coverage for loss of independent existence (LOIE) now includes coverage for acquired brain injury (ABI)
• 'Smart' child plan transforms as the child grows
• illustrations for 15-pay and 10-pay options are now available; also now available for as low as $50,000
• ... and much more!

Sun Life Financial's premium is based on age at application, not necessarily year of birh, giving clients an advantage over some competitors.

Please contact us for more information on SunLife's Insurance products.

We have received numerous requests to bring back our online request forms for customized Life Insurance quotations. Many sites have popped up only to provide the quick quotes that many of us have become used to. You can still get those quick quotes here on timetoinvest.ca courtesy of our partner 310-Term, however many searching for Life Insurance require a more complete understanding of the product being proposed.

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As of today our custom quote request forms are now available for those serious about aquiring life insurance coverage.  Quotes can be accessed on our main menu bar of our site under "Quotes". The illustrations will be sent to your email address in PDF format. As an advisor manually searches the market for a good proposal it does take time to produce the quote, we will however make every effort to provide quotes in a timely manner.

Our goal is to provide personalized insurance service on your terms.

Custom Insurance Quotes currently available:

• Life Insurance Illustration
• Critical Illness (CI) Illustration
• Critical Illness for Children Illustration
• Individual/Family Health Benefit Plan Illustration
• Long-Term Health Care Insurance Illustration