Thinking about why you need life insurance can be distressing. Yet it is one of the most responsible decisions you can make
Having the right amount of life insurance protection when you die will provide your family with a financially secure future.
At Berard Financial Group we provide an array of life insurance options.

Term Insurance

Term life insurance is designed to provide you with insurance protection for a set period of time, at an affordable price. It provides your beneficiaries with the amount specified in your policy, tax-free, if you pass away while the policy is in force. There are many terms and benefit amounts available, we will help you determine what best meets your needs.

Whole (permanent) Life Insurance

Whole (or permanent) life insurance is designed to provide insurance protection for your entire lifetime. The premiums are fixed at the time you take out the policy, and your beneficiaries will receive the full amount you're insured for.
What's more, because the benefit is tax-free, it can be an effective way to protect your estate - and your beneficiaries.

Universal Life Insurance

To protect your family and invest for your future, consider universal life policies.

Combining permanent life insurance protection with a flexible portfolio of investment options - all customized to your financial needs and aligned with your risk tolerance - universal life insurance is the most flexible coverage available today.

Your plan can be customized when you buy it, and make changes later on. This plan offers you the opportunity for tax-advantaged investing, increasing your wealth by investing money within your policy.

Disability and Critical Illness Insurance

Disability and critical illness insurance products are designed to help you protect your family, yourself and your way of life from the effects of a disabling illness or injury.

Disability Insurance

Disability insurance helps provide replacement income if you are unable to work because of sickness or injury.

Disability insurance can help replace lost income, subsidize living expenses while you are unable to work and most importantly, provide security for your family. Benefits are calculated as a percentage of your usual salary and are tax free.

Disability insurance allows you to choose from several options including:

•     The monthly income you receive while on disability

•     You can receive disability benefits from two years to the age of 70

•     The waiting period before your first payment

•     Top-up benefits if you are unable to perform your old job but can still work in another role

•     Cost of living option to insure that your benefits keep pace with cost of living increases

There are many different disability insurance options available. A Berard Financial Group specialist can help you determine the coverage that's right for you.

Critical Illness Coverage

More and more people recover from critical illness these days. But treating and coping with that illness can involve significant costs.
Critical illness coverage is there for you when you need it most. Critical illness insurance can help you deal with the unexpected costs of an illness and get started on recovery as soon as possible.

Segregated Fund Policies

Segregated funds have all the features that have made mutual funds one of the most popular forms of investment for Canadians. In addition, they offer the safety features that in the past were found only in the insurance industry. With segregated fund policies, you can take control of risk and still build the assets necessary to meet your future financial requirements.

Mutual Funds

Our financial security advisors and investment representatives are available to assist in investment planning and meeting your financial goals. They are highly trained and knowledgeable and will work with you to meet your unique needs through a balanced and diversified approach to investing.

For a complete free analysis of your current situation please This email address is being protected from spambots. You need JavaScript enabled to view it..