Winkler Financial Solutions
Services
We provide dedicated reliable service to our clients. Not just during the initial process, but on a continuing basis, providing annual reviews, claims assistance and practical answers to any questions you may have.
Life Insurance
Life insurance has many different uses in a complete financial plan. From covering funeral costs and final expenses, to transferring wealth on a tax-free basis. It is wise to have a professional assess your specific needs and make recommendations that you feel comfortable with.
Term Life Insurance offers low-cost protection but only for a specific amount of time (usually 5-30 years).
Permanent (Whole) Life Insurance usually costs more at the beginning, but offers a guaranteed payout for life.
Extended Health Care
This coverage offers daily reimbursement for hospital stays and other medical care.
It can be enhanced with prescription and dental coverage at competetive rates.
Offering the most flexibility, these plans can be tailored to your needs and your budget.
Registered Education
Savings Plans
Saving for your child's education has never been easier. With Government grants and pooled investment, it's easy to maximize your savings so your money goes farther during those expensive education years.
Depending on your situation, additional money may be available to help multiply your investment.
Critical Illness
With the rising costs of health care and the increased risk of illness, Critical Illness policies offer a "living-benefit". After being diagnosed with a specific illness that is covered by the policy, a lump-sum payout is provided as long as you survive for a specific number of days (usually 30) after the onset of the illness.
Critical Illness policies generally include the top three risks (Cancer, Stroke or Heart Trouble) as well as other severe conditions that would require this type of policy.
Disability
If you are unable to earn an income due to accident or illness, it can be difficult to pay bills and expenses.
Disability Insurance provides steady reliable cash flow to cover lost income for a defined amount of time.
Additional features can be added such as return of premium, cost-of-living increases, waiver of premium and other flexible options.
Long Term Care
The cost of facility care is expensive and is rising every year. Staying in your own home is also an option.
Long Term Care policies provide a monthly benefit later in life if you become unable to do your normal activities of daily living.
By paying small amounts now, you can build increased benefits for the future when you need them most. These are usually designed to be paid up after a period of time.
Travel
The cost of medical care outside of Canada, as well as for visitors to Canada that are not covered by a provincial plan, is expensive.
For a minimal cost, you can protect yourself and your family from the unforeseen cost of medical treatment in a foreign country.
Due to the uncomplicated nature of these types of policies, pre-existing conditions are usually automatically excluded. As are some hazardous activities such as sky diving and vehicle racing.
Investments / Annuities
There are more ways to invest and secure your retirement than ever before. We can help you navigate to a comfortable retirement.
By understanding your goals and risk tollerance, you can be assured that your investments are the best suited for you - so you can sleep at night.