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EPC 2
4 Way Test

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BUY INSURANCE FROM A LICENSED ADVISOR ‘KNOW’ YOU HAVE COVERAGE
Why pay premiums to have coverage tested and underwritten at the time you need it to payout?
Watch CBC Marketplace Program on line at
http://www.cbc.ca/marketplace/in_denial/
As Erica Johnson reports, the bank staffers selling mortgage insurance are unlicensed and rarely trained to explain the details and legalities of those insurance products.  The result is people pay premiums and think they are covered, only to realize later that they are not.
        In Alberta only licensed advisors can sell insurance, banks are prevented from selling insurance.

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Protection

Life Insurance:

Personal Life
Mortgage Insurance
Disability
Critical Illness
Group Life, Health, & Dental
Key Man Insurance
Buy/Sell Insurance

Financial Services:

RRSP’s (registered retirement savings plan)
RRIF’s (registered retirement income fund)
RESP’s (registered education savings plan)
Mutual/Segregated Funds
Mortgage One

SEGREGATED FUNDS are the insurance industry’s answer to mutual funds with much MORE to offer.
Guaranteed death benefit value (usually 100% of deposits)
Guaranteed maturity value usually 75-100% of the deposits.

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 DON’T LET TAXES ERODE YOU NET WORTH!
DON’T LET THE GOVERNMENT TAKE 50% OF YOUR ESTATE! ******************************************

Save Money    WHILE reducing your taxes WHILE feathering your
RETIREMENT NEST.
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logo-manulifeWith Manulife Financial you can SAVE THOUSANDS AND THOUSANDS OFF YOUR MORTGAGE payments
                               find out more ......... call Marsha

Compare:  GIC vrs Deferred Annuity

  1. Deposit
  2. Maturity Value and date
  3. Guaranteed interest rate
  4. NOT creditor proof
  5. SUBJECT TO estate costs 
  6. *
  7. *
  1. Deposit
  2. Maturity value and date
  3. Guaranteed Interest rate
  4. CREDITOR PROOF (named beneficiary)
  5. PASSES OUTSIDE ESTATE(named beneficiary)
  6. NO PROBATE FEES 
  7. EXPEDITES ESTATE SETTLEMENT

One  Mortgage Up For Renewal? 
Check out a whole new way of thinking and save Tens of Thousands
.

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For Information on products and services contact Marsha@Jones-DooleyInsure.com

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