As Canada's premier affinity provider of risk management services to national and global associations, Crossgrove & Company would like you to consider the following information.

4 Essential Risk Management Points

Coverage's through employers should be evaluated, as personal risk management is an area that cannot be taken for granted. Here are four points that could have a profound impact on you and your family:

1) Group disability coverage has little or not portability.
It can be difficult if not impossible to purchase substantial individual income replacement coverage if you wait until after you have gone out on your own or moved to a smaller firm. Disability insurance protect against loss of income, insurers take a wait and see attitude when underwriting the recently (within on year) self-employed. To avoid the loss/shortfall of coverage it is imperative to purchase a second payer policy well in advance of making the transition to being self-employed.

2) Critical Illness Insurance is a great compliment to your disability coverage.
Group coverage typically has limits on the amount of benefit and fewer conditions are covered than with leading offerings. Furthermore some leading insurers offer a 100% refund of premium in the event of no claims. This is a coverage that far too many of us will unfortunately need to receive a benefit from.

3) Optional life insurance only benefits the norms, if in poor health declined, in great health you pay too much!
With the advent of preferred underwriting those of us that are in good health finally get rewarded, thus why do you insist on paying too much? if you have been declined not to worry, we have a solution for you.

4) Should you wish to purchase Health and Dental benefits it is important to contact us within 60 days of leaving your existing group plan especially if you have any health issues.
With the advent of preferred underwriting those of us that are in good health finally get rewarded, thus why do you insist on paying too much? if you have been declined not to worry, we have a solution for you.

As specialists in working with Executives and Consultants we know where you are coming from and the optimum structures you require. We look forward to working with you personally or with your corporation in the near future.

For more information or to arrange a free consultation call me at 1-800-567-3094, email wotoole@crossgrove.com, or visit www.crossgrove.com