Credential Financial Strategies Inc.

If something happens - such as illness, injury or death - that could make your life financially difficult, a personal insurance plan will cover whatever is important to you, so you can get on with life knowing that you've taken care of the "what ifs."

Universal Life Insurance

Purchase insurance protection and invest your money in variable funds at the same time. Let your investment earnings fund your insurance premiums and supplement your retirement. More

Whole Life Insurance

Choose a guaranteed policy with an investment portion to support the premiums at the same level for the life of the insurance policy. More

Term Life Insurance

Term life insurance provides death protection for a stated time period, or term. Term life insurance is perhaps the simplest form of life insurance. More

Disability Insurance

Individual disability insurance is an insurance product designed to replace a percentage of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation. Coverage available will have various waiting periods, lengths of coverage as well as definitions of disability. Ensure you are well informed about your disability contract to ensure that you have the coverage you want, when you need it. More

Critical Illness Insurance

Critical illness insurance is a form of health insurance that provides a lump-sum payment should you become seriously ill, normally after you have survived the illness for 30 days from diagnosis. Coverage can have term rates of 10 or 20 years, rising at renewal, or level premiums to a specific age when the policy is terminated. Funds can be used for anything that you want to do - pay off debt, seek treatment, family vacation. More

Long Term Care Insurance

Protect yourself - or your parents or in-laws - from the high cost of long-term care services with the financial protection of a long-term care insurance plan. More

Annuities

Annuities are a form of retirement income. They offer two major benefits: security and convenience. They're secure because you have a regular, pre-determined income that is guaranteed for life. They're convenient because you no longer have to manage your investments, and all the risk is transferred from you to the insurer. More

Segregated Funds

Segregated funds are long-term investments that guarantee 75% to 100% of your original investment, regardless of market performance. Your investment and guarantee are also protected in the event of your death. More