Who needs Personal Insurance?
Risk of Critical Illness Before Age 65
Risk of Disability Before Age 65
Risk of Death Before Age 65
For a 25 year-old female, non-smoker, the probability of dying, becoming disabled, or critically ill before 65 yrs of age is: 52%
The younger you are, the less you’ll pay for coverage (all else being equal). Lock in low rates today!
What Type of Insurance Policy do I need?
Critical Illness Insurance – “If I incur a life-threatening illness, such as cancer, how will I provide for my dependents? What expenses will I incur in managing my illness?”
Disability Insurance – “If I can’t work, how will I pay for ongoing living expenses?” or …. “I have coverage, but is it sufficient to replace my lost income?”
Term Life Insurance – “If I pass away, what happpens to my mortgage and other debts?”
of Canadians feel they are vulnerable to gaps in coverage or are underinsured – according to a study by Edward Jones
Attract & Retain Key Employees
with a Group Benefits & Retirement Plan
Why Implement a Group Benefits Plan?
- 1. Tax efficient employee compensation
- 2. Protect investment in Employees
- 3. Reduce absenteeism and increase productivity
Crossgrove & Company’s value added service
Complete Analysis of present coverage: Identification of areas for cost savings
Preparation of Bid Specifications: Canvassing the entire market – soliciting quotes from insurer’s on our clients behalf
Detailed Report: A thorough analysis of your existing coverage will be detailed in a report, in which we will also outline our recommendation. Our recommendation is one that considers immediate savings, suitable coverage, the stability of premiums in the medium-to-long-term, and plan design.
Save 10% or more
on a plan with Equal or BETTER Benefits
Need a reason to setup a group retirement plan?
1. Allow you to invest money in your own retirement
2. Reduce your businesses tax burden
3. Reduce employee turnover – spend less on recruitment
Crossgrove & Company’s approach to investing is simple:
Fees – Don’t know what you’re currently paying? We’ll take a look at your portfolio and provide you with full transparency with regards to fees – expressed as a weighted average Management Expense Ratio. High fees detract from the effect of compounding returns on your invested capital, leaving you less money in retirement.
Tax efficiency – Have you considered corporate class strucutures? Investors can switch between funds without triggering capital gains or losses, and are only subject to taxable dispositions when they sell their position in the corporation. Corporate class structure is ideal for high net-worth investors who have maximixed their registered plans.
Capital Preservation – We focus of efforts on achieving our clients desired rate of return, without sacrificing the safety of their invested capital by assuming an innapropriate level of risk.