*Oliver Insurance Services

    

 Products

 

Life Insurance

Disability Insurance

 

Life Insurance is a way 

to protect your survivors and dependants against financial hardships.  As your family or business situation changes, so may your insurance needs. Therefore it is important to review your insurance needs regularly.

 

 

How do you figure out how much

life insurance  you need?

 

 

How much will it cost?

 

 

Permanent Insurance,

Term Insurance which best

suits your needs?

 

 

 

Do you need life insurance?

 

If you have a spouse, and you were to die prematurely how would your survivor(s) get by, especially dependant children?

 

 

Does anyone else depend on you financially, such as a parent, grandparent, brother or sister?  

 

 

If you are a single Parent, what level of support payments are you making or getting? How would these be kept up in the event of the contributors death?

 

 

If you have a mortgage on your home do you want it paid off in the event of your death?

 

 

If you have children do you want to put money aside to complete their education in event of your death?

 

 

Are there any other family members or organizations to whom you would like to leave money?

 

 

Could life insurance play a role in business or farm succession plans?

 

 

Could life insurance play a role in paying taxes incurred when capital property is transferred from one generation to the next?

 

 

Do you have a disabled dependent child?

 

 

 

Ask about our special planning   programs.

 

 

 

 
MONTHLY PREMIUM "STD Rates"

$250,000 of 10 YEAR TERM LIFE INSURANCE

(RENEWABLE & CONVERTIBLE)
 

Male

Female
AGE Non-Smoker Smoker Non-Smoker Smoker
25 $17.55 $26.55 $11.70 $16.88
35 $18.00 $30.83 $13.95 $23.40
45 $29.95 $68.63 $21.60 $47.25
55 $72.90 $195.98 $52.43 $106.20
Note:  These Costs Represent Rates for Term 10 Insurance in effect June 2008.  It is possible that other life insurance products would be more appropriate than 10 Year Term Insurance.   You may qualify for preferred rates.

 

Disability Insurance protects against loss of

income due to an injury and/or illness.

                                                                                  

 

  • Monthly Income

  • Injury ONLY or injury & illness

  • 24 hour OR Non-occupational coverage

  • Choice of elimination periods and benefit periods

  • Long term disability protection

  • Accidental death

  • Business overhead protection

  • Disability insurance for Truck drivers and Trades People is available

 

 

          Ask us about your eligibility                

                                  

         

                  

Critical Illness Insurance

 

What would happen to your financial stability if you were to suffer a Critical Illness? 

 

Critical illness insurance products pay you a lump sum cash benefit after the diagnosis of a critical illness.  The living benefit is received while you are alive and you are free to spend the money as you wish.  Critical illness insurance covers conditions such as:

 

 

  • Cancer 

  • Heart Bi-Pass Surgery

  • Heart Attack

  • Major Organ Transplant

  • Multiple Sclerosis

  • Parkinson's Disease

  • Alzheimer's Disease

  • Motor Neuron Disease

  • Occupational HIV

  • Kidney Failure

  • Paralysis

  • Blindness

  • Stroke

  • Loss of Limbs

  • Deafness

  • Aortic Surgery

  • Burns

  • And More

 

 

Travel Insurance 

 

Traveling out of the Province 

or out of the county?

 

We Represent Many Travel Insurance Companies

 

 

Travel Insurance packages may include:

 

  • Emergency Medical Insurance
  • Pre-existing conditions can be underwritten
  • Trip Cancellation Insurance
  • Trip Interruption Insurance
  • Baggage & Personal Effects Insurance
  • Flight Accident Insurance
  • Travel Accident insurance

 

 
 

 

 

Employee Benefits

Investments

Base Benefits

 

  • Employee Life Insurance

  • Accidental Death and Dismemberment (AD&D)

 

   Optional Benefits

 

  • Dependent Life Insurance

  • Drug & Extended Health Care options

  • Dental Care

  • Short-term Disability

  • Long-term Disability

 

 

Group Health Insurance Provides 

Small Business Owners with:

 

  • A competitive edge in the job market

  • A cost-effective method of providing employees with coverage for medical bills   protecting employees and their families

  • A tax deduction for small businesses

 

We have benefit plans in many different 

designs. Insuring 1 to 500 employees

 

 

Ask us about the option which allows 

each employee to choose their own plan

 as well as individual billing options.

 

 

Check out our Guaranteed Interest Rates and Term Deposits

 

Segregated Funds offer many guarantees and safeguards that mutual funds do not. Build an investment program where segregated funds achieve growth through superior investments combined with insurance guarantees that protect your principal. 

 

  People invest in Insurance Companies 

for some of the following reasons:

 

  • Creditor & Lawsuit Protection: Designating a protected beneficiary may potentially protect insurance investments from creditors & lawsuits

 

  • Estate Planning & Probate Avoidance: Designated beneficiaries directly receive the death benefit without costly probate fees or processing delays.

 

  • Principle Guarantees: Investment with Insurance Companies are guaranteed at time of death and at other intervals.

 

   

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