The living benefits policies you require over the course of your lifetime may vary and the experienced brokers at McFarlan Rowlands can help you to decide what is best for you and your family. Our consultants take the time to sit down with you and discuss your goals and objectives and help you to choose the policies that fit your needs.
Travel Insurance is an inexpensive means to cover losses arising from sudden and unforeseeable circumstances, while outside your province of residence. Out of Canada emergency medical expenses are not generally covered by your government medical plan and these expenses can be financially overwhelming.
Long term medical help and other assistance after a major illness can quickly erode your savings. This product will help in areas such as:
1) Pay for specialized medical treatment not covered by health insurance.
2) Cover the cost of home renovations made necessary by your illness.
3) Pay off your mortgage or clear up other outstanding debt.
Critical Illness Insurance is insurance that pays a lump sum benefit if you are diagnosed with a critical illness. Unlike disability insurance, critical illness insurance is not based on your inability to work. You collect the full amount of coverage, even if you make a full recovery.
Of 10 healthy male adults, 3 will have a critical illness before age 65
Of 10 healthy female adults, 2.7 will have a critical illness before age 65
Long Term Care
Long Term Care insurance pays a benefit to cover the cost of long term care, if you develop a chronic illness or disabling condition that requires in-home caregivers or relocation to a long term care facility.
If you become physically disabled, your ability to earn an income may be compromised; your ability to pay bills or save for your future may be compromised.
Disability insurance plans are designed to help meet income requirements, so the individual can concentrate on recovering from the disabling ailment and return to active life as soon as possible.
Individual Health Benefits
Customized Health and Dental plans.
To set up a free consultation please contact us at:
Toll Free: 1-888-734-8888