Great news! A reduction of premiums on term life insurance products is announced effective August 10, 2009! Click here to get a term life insurance quote.

If you are buying a new policy to replace one that you have, do not cancel the old policy until you have your new one in place.

1. Determine if you need life insurance: Determine if firstly you need life insurance. Do you have someone who depends on your income such as a spouse or a child? Do you want to leave a charitable donation? There are many reasons why you may need coverage.
2. Learn about your options: There are many reasons why you would need coverage. Decide which insurance best fits your needs, term, whole, or Universal Life. If you are not sure, you may to contact us.
3. Decide how much insurance you want to buy: Don’t buy more than you need. You can complete the Life Insurance needs analysis form on the front page of timetoinvest.ca. You may also want to talk to one of our advisors.
4. Get quotes: You can receive quotes online but most of these prices you see are just examples and do not give the full breakdown of the policy, so ask for actual numbers. At timetoinvest.ca you will receive the complete quote from the life insurance company chosen. You may need to to proceed with the application before learning of what the actual rate is for your circumstance as you may pay higher premiums if you have a health problem.
5. Complete the application form: It is important that you answer any health questions honestly. With the application you can send in the first month’s premium (cheque) to receive the temporary insurance benefit.
6. Review the policy once issued with your agent or broker: Make sure all information on the policy is accurate. Ask questions about anything you don’t understand. I most cases you have 10 days to review the contract before it is final. You will receive the any premiums paid back if you choose not to proceed before the 10 days.
7. Decide whether or not to accept the policy:
   • If you accept the policy, sign it, and follow the instructions for returning it along with any outstanding amounts owing on your first month premium. Keep your copy of the policy in a safe place. Be sure to tell someone you trust where to find it along with the contact information of your advisor.
   • If you don’t accept the policy, choose the option to refuse the policy and return it.

Psychological impacts of the care, loss of dignity and stress will change the lives of your family and loved ones forever.

Who will take care of you at home?

Good things just got better - Improved Minimum Rate Guarantee on 20-year Guaranteed Interest Option (GIO).

Many people like you are looking for something more during these complicated and volatile times that can also provide a sense of security or a guarantee. With our current, low interest rate environment, these types of guarantees are very difficult to find… and when you do find them, they are worth having. Empire Life now offers a 20-year investment option within their Universal Life plan with a very attractive, guaranteed, minimum, total interest rate. Take a look!

1. Immediate Tax Savings: Enjoy tax savings throughout the year.
2. Low Cost: No set-up fee. No administration fee. No trustee fee. No termination fee. Just the regular fees for the purchase and management of your funds.
3. A Disciplined, Practical Savings Plan: Regular payroll deductions allow you to benefit from dollar-cost averaging.
4. A Customized Plan: Together with your investment advisor, you can design a plan to suit your earnings and investment objectives.
5. Professional Investment Advice: Gain peace of mind through the services of a dedicated investment professional who is focused on your long-term objectives.
6. Tax-Free Compounding: Enjoy tax-free growth of your investments through interest, dividends and capital gains.
7. Low Minimum to Join: You can contribute as little as $25 per pay and make lump-sum contributions at any time.
8. Investment is Easily Transferable: You can transfer your Group RSP from one company’s plan to another.
9. Spousal RSPs are Eligible: You can contribute to a Group RSP in your spouse’s name.
10. A Wide Choice of Investments: We offer choices of several funds that span a wide range of investment categories.