Who really wants to think about Life Insurance? That said, ensuring your family and estate are covered in the event of your death is one of the most important kinds of coverage you can offer your loved ones.
From something as simple as term life coverage to a more comprehensive financial planning program, Guild Insurance Brokers & HMS Insurance Agencies can help you identify needs, determine coverage amounts and choose the best financial vehicles.
If you own or operate a business, we can tailor continuity plans, create coverage for key personnel and more.
Life insurance options and financial planning tools add peace of mind and ensure financial protection for you, your heirs and your business.
Personal Life Insurance Needs
PERSONAL LIFE INSURANCE PLANS
Protect your family with temporary or permanent protection. Non-smoker rates and premium reductions for applicants with healthy lifestyles may be available.
DISABILITY COVERAGE: GROUP & INDIVIDUAL
What would happen if your income was lost? Disability insurance is designed to replace a portion of your income if you become disabled and are unable to earn an income. A disability can result from a number of causes, including an injury, a serious illness or a mental health issue. And the duration of a disability can be either short- or long-term.
There are different kinds of disability insurance coverage, including individual insurance plans and group insurance plans, as well as government plans such as workers’ compensation and benefits provided under the Canada Pension Plan.
We’ll show you how income can be replaced when you need it most. Contact our life department to discuss your current portfolio, your needs and answer any questions you may have.