Insurance is an important part of your financial plan – both in the long and short term.
I am independent, meaning I have no connections to any particular insurance company—my only bias as an advisor is in favour of your best interests.
I will help you determine your insurance needs & on your behalf will shop for a product that meets those needs as well as your budget
Life Insurance Overview
Life insurance helps you protect the financial security of the people who matter most, should something happen to you. The cost of life insurance you buy as an individual depends on your age, gender, health, medical history and lifestyle.
Term Life Insurance
Term life insurance is affordable, easy-to-understand coverage that gives you flexible protection.
Your insurance costs will remain the same for a specific period of time (the "term"), until it renews for another term. If you die while the policy is in effect, a tax-free payment will go to the person or people you name (your "beneficiaries"). And with most term policies, you can also convert your coverage to permanent insurance regardless of any changes to your health, occupation or lifestyle.
Permanent Life Insurance
Permanent life insurance is often called whole life insurance because it covers you for your whole life. It gives your beneficiaries a tax-free payment after you die. Some plans can build cash value over time. Universal life and participating life are other forms of permanent life insurance that you may want to consider.
If you or your spouse becomes injured or ill and unable to work for an extended period, this type of insurance is designed to replace part of your income in such an event. Disability Insurance can help protect you against unforeseen expenses, and help you and your loved ones maintain your standard of living when a crisis occurs.
Hundreds of thousands of Canadians suffer from serious illnesses each year. Thanks to advances in medical science, the majority will survive. But recovery is often long and expensive. Critical Illness Insurance provides a lump sum payment allowing you to focus on healing, without financial stress. Insurance is offered through multiple carriers, and terms and conditions are specific to the policy. I will help you understand the fine print.
Long Term Insurance
Long term care insurance helps cover the cost when you require substantial assistance from others due to your diminished physical or mental abilities. It can help protect your retirement plans and make it easier to choose the care you want when you need it most.
Happy Clients Say
When I think of Janine Oliver the first word that comes to mind is professional. I have had several dealings with Janine and she is always honest; efficient and professional.Isnt that what you would like in a financial advisor? If you leave a message she gets back to you quickly and provides you a quote in a very timely manner.
I have also referred Janine's service and they are happy customers as well.
Janine is also very giving of her time to speak at various groups to help their members get a handle on their finances.
I know if you choose to deal with Janine you will not be disappointed.
Janine is the ultimate caring professional when it comes to talking about setting yourself up for financial success. Janine guided me through setting up a corporate health spending account to take advantage of services to keep me healthy as the CEO while maximise the tax advantages of doing so. I highly recommend Janine, she listens, only offers the products that would really work for you, and is a nurturing guide along the way.
Janine is honest, friendly, helpful, knowledgeable and not too pushy! Her passion for helping people with their finances really shows. Thank you for the help, Janine.