旅游保险、超级签证保险

加拿大超级签证保险的简介:

超级签证保险

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加拿大旅游探亲保险的简介:

加拿大旅游访问保险

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加拿大Manulife旅游探亲保险的费率:($75 deductible为例,如果选择0垫付则增加5%)

加拿大旅游访问保险费率

 

 

购买以上保险所需要的资料:

客人姓名、生日、原居住国名、在加拿大住址和电话、到加拿大的日期、保单的起始日期,购买的保额和理赔垫付款金额。详情请咨询我。

除了Manulife的保单,也代理JF Group 的保单(在线购买:https://www.jfgroup.ca/agent/3147) 和 Allianz的保单。

 

电话:226-606-0289

电邮:ying.huang@f55f.com

 

加拿大JF Group旅游探亲保险简介:

加拿大旅游访问保险费率2

 

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Insurance

The policy may require the policyholder to survive a minimum number of days from when the illness was first diagnosed (usually 30 days).

Disability Insurance
Disability Insurance provides a monthly income in the event you are incapacitated, and incapable of working due to an injury or illness. Often called “Income Replacement Insurance”, this coverage is important for self-employed individuals. It is also for those without disability insurance via their employer.

Your ability to earn income may be compromised through injury or illness if you become disabled. Your ability to pay bills or save for retirement could decline. Disability insurance plans are designed to help you meet necessary income requirements enabling you to concentrate on recovering from your disability and returning to an active income-generating life.

Generally, disability benefits are received if you can’t perform the duties of your own occupation, a similar job in your field, or any job at all. How soon and for how long you can collect benefits is determined in your policy contract.

Income protection can provide income for disabled professionals such as lawyers or doctors, small business owners like plumbers or carpenters, leading business executives, as well as full- or part-time or home-based workers.

Disability insurance benefits are payable on a monthly basis during a disability for the benefit period of the contract, which can vary. When you recover from a disability, the policy continues, usually payable again for a subsequent or recurring disability.

Most people are aware of the importance of life insurance, but rarely think about having a disability despite the statistics indicating they are quite common. Death is inevitable, while disability is probable at any given age.

Non-Medical Insurance
If a person is hard to insure, there are life insurance plans specifically designed for no medical underwriting for a lower face value. The premium may be slightly higher than a brokered insurance plan designed for healthy people.

You will only have to answer the typical questions in the policy application. These plans work best for people who:

-Have previously been turned down by insurers
-Are hard to insure
-Have been long-term smokers
-Are overweight
-Refuse to take a medical exam

Before you purchase this plan, we can advise you of your options based on your health history, or if there are past failed applications. By searching the market, we will find the most suitable plan for your situation. You may be able to be underwritten by certain underwriters who accept more risk.

We will assess both a regular and/or non-medical life insurance plans and may advise submitting both types of applications. Both traditional and non-medical insurance plan benefits are 100% tax-free in Canada when paid to beneficiaries.

Individual Health and Dental Insurance
Our governments do not provide us with the level of healthcare you may need. As they cut back their levels of healthcare coverage, you may be left to pay for expenses such as:

-Prescription drugs
-Dental visits
-Eye exams
-Paramedical services
-Transportation by ambulance

Private Health and Dental Insurance plans are designed to cover individuals not protected or inadequately covered by a group health plan. These plans can benefit you by reducing your fees per visit to your dentist or health care provider.

Plans available offer:

-Single, couple or family coverage
-Potential tax-deductibility if you are self-employed
-Renewable coverage through to age 65
-Protection of the entire family, covering health, dental and prescription drug benefits

It makes sense to consider coverage for unexpected medical expenses that may supplement your current health care plan. These plans generally cover chiropractors, osteopaths, naturopaths, podiatrists, registered massage therapists, acupuncturists, physiotherapists, psychologists, homecare nursing and necessary medical devices and equipment.

Term Insurance to Cover Your Mortgage
Mortgage insurance is creditor insurance where financial institutions offer to pay off the remainder of a mortgage if the mortgagor dies during the term of the mortgage.

Another strategy to achieve this uses personally owned life insurance, which gives you more flexibility insuring your mortgage liability. Compare the mortgage insurance your bank or financial institution uses for your mortgage creditor life insurance with buying your own personally owned term insurance.

Mortgage Life Insurance from the financial institution
-Premiums can be much higher
-The death benefit replaces only the remaining balance of your mortgage balance
-Premiums do not reduce when your mortgage debt is reduced
-The death benefit only pays off your remaining mortgage debt
-The contract stipulates that the financial institution is the only life insurance beneficiary
-You cannot alter the irrevocable beneficiary of the contract
-The entire amount of life insurance is lost upon mortgage repayment, or when in default
-The mortgage life insurance is not transferable to another financial institution or private lender
-When you move your mortgage to another firm, you generally lose the coverage issued from an existing institution.

If you have health concerns you may not be able to buy more coverage
-Because so few health questions are required, underwriting is often done at time of claim, resulting in denied claims.
Creditor insurance may cover two parties who jointly mortgage their property. However, it pays only on the first death, even if the two were to die. When one spouse dies, creditor insurance no longer covers any survivors. In contrast, by owning your own insurance policy, two spouses or partners may each own separate life insurance death benefits. In the case where both parties die, double the benefit would be paid, thus adding increased value to the estate. If one survives, the coverage on that life continues.

Your own Term Insurance
-You can set up multiple beneficiaries, including a fund to pay off some or all of your mortgage debt.
-Beneficiaries can choose to not pay off the mortgage if they prefer to pay off higher interest debt
-You can add or revoke beneficiaries.
-Your life insurance face benefit amount does not shrink with a reducing mortgage debt, and can actually increase with some plans. Your coverage level is controlled by you.
-Most term plans are convertible to permanent plans, without a medical exam, even if your health declines.
-You needn’t qualify for new mortgage life insurance if you move your mortgage to a new financial institution. You just continue using your existing term plan, which covers you regardless where your mortgage is.
-Once your mortgage is repaid or reduced, you will have life insurance to cover other liabilities or for other estate planning purposes.
-Personally owned life insurance can normally be converted to permanent insurance for the same or a lesser amount.
-In most cases, you can reduce your coverage over time to ensure the proceeds pay your final expenses, removing financial burden from your loved ones.
-Term insurance allows you to buy coverage applicable to your entire capital needs, in the event of death.
-A custom life insurance plan often offers other optional benefits, such as riders that can include: life insurance coverage for children, an investment feature with tax advantages, disability coverage, critical illness coverage, or a bundled mixture of term and permanent life insurance.
-Many plans offer level premiums for longer periods, and some life insurance plans can be prepaid.
-You have more control over the cost of premiums, which can go up over time if you don’t own and control the life insurance contract.
-Your insurer underwrites your policy when you apply for it. Other mortgage life insurance from a financial institution offers you little control and may choose to underwrite your health history at claim time.

Estate Planning
There are many ways to reduce your estate liabilities. You work hard to earn a living, save for retirement, and own property. It is important to know what your estate liabilities are in relation to: capital gains, mortgage debt, car loans, unpaid taxes, and business-related liabilities. Consider reducing these liabilities:

Reduce the impact of income taxes. Here are some methods to reduce taxes due upon your death:

-Use the spousal (and disabled child) rollover provisions of RRSPs or RRIFs.
-Leave assets that have accrued capital gains to your spouse to defer tax.
-Leave assets without capital gains to other (non-spouse) family members.
-While you are alive, gradually sell assets having capital gains, to avoid dealing with the gains all at once in your estate.
-Purchase life insurance to cover capital gains taxation in the estate.
-Taxes may be payable on gains in relation to:
◊income-producing real estate, a second residence, or cottage.
◊any other assets left to surviving family members, such as shares of a business.
-Consider charitable donations to lessen taxes in the estate.

Reduce probate fees. Probate fees will be based on the value of assets administered through your will. Here are some ways to reduce probate fees:

-Establish a spousal trust during your lifetime to hold assets or property for the sole use of your spouse.
-Own assets jointly with your spouse.
-Distribute assets or cash while alive.
-Name a beneficiary (not the estate) on life insurance policies.
-Include an alternate beneficiary on your life insurance policies in case your initial beneficiary predeceases you, or dies simultaneously (that way, probate fees will be avoided on the proceeds).

Business

 

Your Key Persons

When a founding owner desires to retire within 10 or 15 years, Succession Planning may be necessary today.

We can help you plan to sell, or to pass the company on to the children or another key-person successor while reducing capital gains taxation.

 

Key business leaders can assure that they are covered with both disability insurance to replace income, and life insurance to meet capital needs and cover liabilities such as company debt. With proper planning, insurance allows you to hire another key leader in the event of a disability, critical illness, or death for the short or long term.

 

Where ownership is involved, buy-sell agreements backed by life and disability insurance are essential for fair transitions when an important individual’s shares need to be redeemed. We specialize in helping your business protect its future.

 

Reduce Business Risk to win the Game

Start-up firms and smaller companies are especially vulnerable to potentially devastating financial risk because they often lack big company sophistication and in-house risk-control expertise.

 

We will help you gain control of your financial risk.

 

Life Insurance. We help business leaders provide appropriate life insurance to pay off debts and/or the mortgage, educate the kids, and/or provide income for a spouse or a disabled dependent.

Business Disability Insurance. We will examine your need for income replacement insurance that can help replace your paycheque in case you get hurt or sick.

Key Person Insurance. We will assess your need for an insurance policy designed to provide a benefit to provide funds to hire the right person if a key individual becomes sick or dies.

Critical Illness Insurance. If a business owner develops cancer, has a heart attack, or a stroke, the illness can wipe out a small business. We have many plans to protect you from such concerns.

 

Buy-Sell Agreements Protect Your Team

Whether you own a partnership or corporation, we can help you set up a buy-sell agreement while you are alive and capable of doing so.

 

Protect Your Team Players
We will help you value your company and set up the right Buy-Sell Agreement to meet Canada Revenue Agency’s (CRA) standards.

 

We can determine if the company has the cash flow or a large amount of money available to fund the buy-out of the deceased or disabled owner. If not, permanent life insurance can be used to fund a buy-sell agreement as it can pay a large amount of tax-free capital at the right time — at the decease of the business owner.

 

We will meet with your lawyer and the buyers’ lawyers. After the agreement is drafted, all parties will review it to their satisfaction, and then sign it to make it legal. It is suggested that the life insurance be purchased first to ensure that one is insurable. Even where there is a medical problem, in most cases, there is an insurer willing to design a policy to suit the risk, based on the health of the respective individual.

 
Products and Services

Financial products and services can address specific needs in your financial security plan and help you build a successful business. I have access to a broad range of insurance, investment, employee disability and group benefit products to help meet your individual and business needs and goals. You may have put all your focus and hard work into your business, so it makes sense to protect it properly against the risks that can bring financial hardship.

How to Protect Your Business

We offer unique planning solutions using:
-Life insurance
-Disability insurance
-Critical illness insurance

How to Protect Your Employees

The people employed in your business or organization help you succeed regardless of whether you depend on three key employees, or a team of 100.

 

We can offer your firm a comprehensive group benefit plan that enables you to retain your important staff:

-Benefits plans for small business
-Health-care and dental-care benefits
-Wellness and disability benefits
-Life and accidental death and dismemberment benefits

Investment

Investment Risk and Volatility

Volatility and risk are different concepts, but both have a role in determining your investment success.

Volatility is simply how much the market will increase or decrease, whereas risk is the amount of loss or gain you are willing to accept. The volatility of your investments is often a result of the level of risk you are willing to accept. During periods of market volatility, it is important to stay focused on your asset allocation goals according to your predetermined risk profile.

 

Volatility is simply short-term instability that can affect all investments, including good equity funds, because of fear generated in the markets.

 

Investment Planning

An investment plan defines how you will invest your money, prioritize, fund, manage and evaluate your investments while you seek to meet your goals and objectives.

 

Investors may use an active and/or a passive management style for a portfolio depending on long-, medium-, or short-term goals, and their individual (or unique) determined investment style.

We can help you design the right plan.

 

Retirement Solutions

You will spend many years working. One day you will need to retire with a good income generated from your accumulated investments. Retirement planning is never finished. You will need to manage your investments carefully to maximize their return through life’s various stages as you move closer to, and during, retirement.

 

Through good markets and volatile markets, we help individuals, families, and business owners with their financial needs. We realize one program doesn’t fit all investor needs, so we will take into consideration your changing goals—for example, if you have other short-term needs, we will help you tailor an investment plan to suit your specific goals.

 

We can help you to re-evaluate your investment strategy and advise you as we develop a balanced plan that is best suited to your overall investment needs. Retirement planning must ensure the best use of capital with minimization of tax during the investment growth stages, as well as during the period when you will depend on your investments to create wealth as it transfers to income.

 

Individual Pension Plan

An Individual Pension Plans (IPP) is a vehicle for retirement and estate planning for the right person (business owners over 40 or incorporated professionals earning around $100,000 or more). It is a defined benefit pension plan which provides greater tax deferred contributions than those available through a Registered Retirement Savings Plan (RRSP).

 

Wealth Management and Tax Reduction

There are important wealth management tactics that can help maximize your long-term investment returns. These tactics in particular, have stood the test of time for investors interested in building a strong and balanced investment portfolio. Here is a list of investment tactics to help you achieve financial independence.

 

Planing

Strategic Planning Process

 

Financial strategies are both tactically short- and medium-term processes; while simultaneously taking the long-term strategic view for retirement; potential critical illness and long-term care protection; and estate planning.

 

 

The Process

It is a process that we engage in mutually as client and professional advisor, to aim for and achieve your life goals via professional management of your financial affairs. It is a well-rounded interactive process that takes into account all the elements of your entire financial situation. A professional strategy will analyze your situation to identify all the people and/or institutional monetary relationships that often have conflicting objectives.

 

 

Goals and Objectives

While implementing financial tactics we address various concepts, while looking at your over-all life needs: assessing your capital needs, investment plans, registered investments and tax reduction strategies, retirement planning, education planning where applicable, as well as any special needs such as planning to care for child dependents.

 

Benefits of a Financial Plan

A good financial plan is multi-faceted: It must anticipate change and reflect your specific financial goals and objectives, while considering your level of investment risk tolerance.

 

Your plan should be flexible enough to anticipate life’s many fluctuations. Financial circumstances and responsibilities change over time, such as: a career or income changes; the birth and education of your children or grandchildren; major purchases such as a home; retirement; and other life events, such as a disability or need for long-term care. We’ll help you create a plan just right for you. You can know you have a financial plan that provides you with the confidence that all of your financial resources are working together toward your long-term financial goals.

 

We’ll help you create a plan just right for you. You can enjoy peace of mind knowing you have a financial plan that provides you with the confidence that all of your financial resources are working together toward your long-term financial goals.

 

We can help you devise a plan that addresses objectives such as: investment and retirement planning; reducing income and estate taxes. A personalized financial plan that reflects your changing life needs is unique—that is why we’ll support you with a financial needs analysis that will help you make wise financial planning decisions designed to meet your long-term and short-term goals.

 

We can help you devise a plan that addresses objectives such as: investment and retirement planning; reducing income and estate taxes.

 

A personalized financial plan that reflects your changing life needs is unique—that is why we’ll support you with a financial needs analysis that will help you make wise financial planning decisions designed to meet your long-term and short-term goals.