Each product below is available subject to underwriting approval and individual eligibility. I will explain your options clearly and let you decide what makes sense for your family.
Life insurance may provide a tax-free benefit to your named beneficiaries in the event of your passing. Certain permanent life insurance products may also accumulate cash value over time, which may be accessible subject to policy terms and conditions. As a licensed broker, I have access to term life and permanent life insurance options from multiple Canadian insurers.
Critical illness insurance may provide a lump-sum benefit upon diagnosis of a covered condition such as cancer, heart attack, or stroke, subject to policy terms, survival periods, and conditions defined by the insurer. According to the CLHIA, 46% of critical illness claims are filed by women with an average age of 49.
Disability insurance may replace a portion of your income if you are unable to work due to illness or injury, subject to the definition of disability, elimination period, and benefit period outlined in your policy. Particularly valuable for working moms without employer-sponsored group coverage.
As an LLQP-licensed broker, I can discuss investment options including segregated funds and registered products such as RRSPs and TFSAs. All investment products carry risk. Past performance does not guarantee future results. Recommendations are subject to a suitability assessment based on your financial situation, risk tolerance, time horizon, and investment objectives.
All insurance products are subject to underwriting approval, policy terms, and conditions set by the issuing insurer. Coverage amounts and premiums vary based on individual health, age, lifestyle, and financial circumstances. Investment products involve risk including possible loss of principal. Past performance does not guarantee future results. This page provides general information only and does not constitute personalized financial or insurance advice. No coverage is in force until a policy has been issued and premiums paid. Enie Morales is licensed in Newfoundland & Labrador and New Brunswick. Licence No. NL: 20-83-EM118-1 ; NB: 220035363.
A free 30-minute call is all it takes to understand your options. No commitment required.
Request a No-Obligation QuoteThe information on this website is for general educational purposes only and does not constitute financial, legal, or insurance advice. Insurance products are subject to underwriting approval, policy terms, and conditions. Coverage amounts, premiums, and eligibility vary based on individual circumstances. Enie Morales is a licensed insurance broker in the Provinces of Newfoundland & Labrador and New Brunswick. Licence No. NL: 20-83-EM118-1 ; NB: 220035363. This website does not guarantee coverage, specific premiums, or investment returns. Past performance of any investment product does not guarantee future results. No coverage is in force until a policy has been issued and premiums paid.