Insurance is a vital element of a complete financial plan and a powerful form of investment protection. Various kinds of insurance will help protect you and your loved ones in different ways against the cost of accidents, illness, disability, and death.

Proper insurance planning can create cash flow during your lifetime, protecting you from life’s unforeseen yet omnipresent challenges and obstacles.


Some of our Insurance strategies include:
Critical Illness Insurance

In the event of diagnosis of a critical illness that is listed in the insurance contract, a policyholder would receive a lump sum, tax-free payment to use at their discretion. This payment would insulate the policyholder against drastic changes to their lifestyle and the financial burden of managing and surviving the illness. This type of insurance becomes especially important if you have dependants.


Life Insurance

When integrated into the financial plan, insurance supplements estate planning, offering an income replacement for your spouse and dependants.


Individual Disability Insurance

Disability Insurance protects you from the possible loss or reduction of income as a result of not being able to work due to a sickness, injury or disability.


Long-Term Care Coverage

Long-Term Care Coverage helps address the various health, social and personal care needs of individuals who no longer have the ability to care for themselves. This type of insurance is affordable and can be purchased without depleting your savings or compromising your lifestyle. Long-Term Care Coverage rates are dependent on your health, age, and amount of insurance you purchase. As well, this type of insurance carries with it various tax advantages.


Insured Annuities

Insurance can be and should be viewed as an investment class. When used strategically, insurance can be used along-side annuities to provide a steady cash flow throughout your life.


Registered Insured Annuities

Registered insured annuities is a type of annuity that allows you to use registered assets saving you up to 40% in taxes and can provide returns up to 50% better than investment-grade bonds or GICs.

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of LT Wealth Management Partners
to discuss your financial situation.

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