Personal insurance.
Personal insurance provides crucial protection for you and your loved ones. Safeguard against life's uncertainties with coverage for health, life, disability, and more. Secure peace of mind and ensure a secure future for your family.
Life Insurance: Providing Security, Peace of Mind, & Financial Resilience
Life insurance is more than just a policy; it's a safety net that helps maintain your current lifestyle in the face of life's unforeseen events. It's an essential tool that provides peace of mind, knowing your loved ones are financially protected should you no longer be there to provide for them. The benefits from a life insurance policy are tax-free to beneficiaries and bypass probate, ensuring your loved ones have immediate access to funds, typically within a month, without legal complications.
Navigating the complex world of finance can be daunting. With this in mind, we specialize in making three of the most tedious and mundane financial decisions - insurance, investments, and mortgage - simpler and more manageable. WM Finance Inc. is your one-stop solution to secure the best products and rates available in the market.
We're not tethered to any specific bank, financial company, or lender, which allows us to prioritize your best interests. With access to all the major players in the financial ecosystem, our commitment lies in sourcing the best product and pricing tailored to your unique financial requirements.
Critical Illness Insurance: Financial Protection Against Health Uncertainties
Critical Illness Insurance provides a safety net when health emergencies strike. If a policyholder falls critically ill, this coverage ensures a lump sum payout - be it$100,000,$200,000, or a sum that suits your needs - allowing you to concentrate fully on your recovery rather than financial worries. This payout means you don't have to contemplate drastic measures like selling your home due to an inability to afford the mortgage.
The primary function of Critical Illness Insurance is to protect - your lifestyle, family, and retirement savings. It offers tax-free benefits, alleviating illness's physical and mental stress by removing monetary concerns.
Our Critical Illness Insurance covers 20+ illnesses, including, but not limited to, heart attacks, strokes, cancer, Alzheimer's, Parkinson's and coronary bypass surgeries. By investing in Critical Illness Insurance, you're not just preparing for potential health setbacks but ensuring that you and your loved ones can focus on recovery and wellness, free from financial concerns.
Investment Services: Building Wealth and Securing Futures
Investment is a cornerstone of financial wellbeing, serving multiple purposes, from safeguarding against emergencies and inflation to funding future purchases to wealth creation. At our firm, we help individuals navigate the complexities of investment to achieve their financial objectives. Understanding the power of time and compound interest is critical to successful investing. The earlier you start, the more you can harness these powerful forces. Time is often an investor's greatest asset, allowing the magic of compound interest to work and expand your wealth.
We assist investors with various types of accounts, including non-registered versions, Registered Retirement Savings Plans (RRSPs), Tax-Free Savings Accounts (TFSAs), and Registered Education Savings Plans (RESPs). Each of these investment vehicles has its advantages and drawbacks. We aim to work closely with you to determine the right mix of investment vehicles to accomplish your financial goals.
With our investment services, we don't just help you invest your money; we partner with you to build a strong financial foundation for the future. Understanding your economic aspirations, we help turn your goals into realities through strategic and personalized investment planning.
Disability Insurance: Safeguarding Your Earnings and Livelihood
Disability Insurance is a vital financial tool that creates a safety net for your earnings. It's a contract between you and an insurance company. You pay a specific premium for a certain amount of coverage. In return, the insurer pledges to provide a monthly income if you cannot perform the substantial duties of your regular occupation due to injury or illness. This coverage is precious for self-employed individuals and those in high-income roles such as lawyers, doctors, dentists, accountants, architects, chemists, systems analysts, consultants, programmers, web designers, or anyone earning $50,000 or more, or holding a university degree in computer science.
These are roles where an unexpected illness or disability could significantly impact earning power. Despite the high stakes, these types of professionals often find Disability Insurance to be a very cost-effective policy.
The primary objective of Disability Insurance is to protect - your quality of life, your family, and your retirement savings. Providing a steady income during periods of disability, it alleviates mental stress and allows you to focus on recovery rather than financial concerns. Our Disability Insurance offers long-term protection, with benefits payable until age 65 for permanent disabilities. With our tailored coverage, you can safeguard your earning power and secure your financial future against the unexpected.