Why do we have insurance ?

Insurance is a means of protection from financial loss. It helps you manage risk and protect your assets from unexpected destructive events. It is the most important part of financial planning to protect what's important to you and your family, and offers a peace of mind.

Types of insurance:

Homeowner's / Renters Insurance

Property insurance that covers a private residence.  Covered perils include fire, lighting, wind, hail, vandalism, etc.

Life Insurance

Provides coverage to a person and a sum of money to the beneficiaries upon the death of an insured person.  Different types of life insurance offer different benefits, including living benefits..

Health Insurance

Provides benefits to a person as a result of sickness or injury. Reduces the risk of a person incurring medical expenses that can impact financial stability.

Auto / Property Insurance

Coverage for motor vehicles or other type of properties such as boat, etc.  Provides financial protection from physical damage or bodily injury resulting from collisions.

Disability Insurance

Protect the insured person from income loss due to short term or long term disability.

Pet Insurance

Insurance for domestic pets which provides partial payment for medical expenses resulting from sickness or injury.