Elan Kidd, Credential Financial Strategies Inc.

Insurance* Products and Services

Income Replacement
Your income is vital for supporting you and your family. In the event of your death, income replacement insurance can provide immediate cash and subsequent income for your family. You can rest easy knowing that your family's needs are secure.

Disability Insurance
What would happen to your lifestyle if you became disabled and were unable to work? Disability insurance provides a monthly benefit to replace your lost income.

Critical Illness Insurance
A critical illness could have a devastating impact on your life, not only due to medical expenses, but also because of lost income. Critical illness insurance pays out a tax-free benefit, providing you with the financial security to make any necessary adjustments to your lifestyle.

Long Term Care Insurance
People are living longer lives today. Sometimes this means that long-term care is required during the later years of life. Extended care is a costly and often unexpected expense that can threaten your financial security. Long Term Care Insurance provides a daily benefit that can be used to cover the cost of having a registered nurse come to your home, or for you to stay in a nursing home.

Health & Dental Plans
With the increasing cost of medical care, health and dental plans are an essential part of an employee benefit package. Whether you are a sole proprietor working from home or the owner of a larger business, there is a health plan available to provide the coverage you and/or your employees need.

Business Insurance
Ideas, hard work, dedication... all of these contribute to building a successful business. Specialized insurance products can protect your business in any number of situations, such as a buy/sell agreement, corporate buyout, share redemption and key person insurance.

Estate & Trust Services
You've worked hard to accumulate assets and build an estate. Now you want to ensure that as much of your estate as possible is directed towards your chosen beneficiaries. Take a look at the plans that allow you to accumulate money on a tax-deferred basis to pay necessary estate costs, such as probate fees, capital gains and taxes on registered assets.

Charitable Giving
As credit union members, we care about our community and the world in which we live. No doubt, you have favourite charities to which you contribute. Life insurance provides an opportunity to help fund charitable organizations on a much larger scale than you could through annual donations, and you could also receive unique tax benefits.

Final Expenses
Life insurance provides your family with funds for any final expenses such as funeral costs, outstanding bills or taxes due upon your death. Rather than leaving your loved ones with debt, you can leave them with a legacy. There are also insurance products with a nursing home benefit, allowing you to tap into the value of the policy if you move into a care facility and require extra funds.

As you can see, there are many ways that insurance can help you and your family prepare for the future. A  Credential Financial Strategies Inc. Insurance Representative is available to help you with all your insurance needs.

Your Insurance Representative

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 * Credential Financial Strategies Inc. is a member company under Credential Financial Inc. offering financial planning, life insurance and investments to members of credit unions and their communities.  ®Credential is a registered mark owned by Credential Financial Inc. and is used under licence.