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Insurance Services

Create financial security for your family or business

Leede Jones Gable’s insurance specialists draw on broad experience in insurance, from everyday work with families to complex corporate cases involving outside lawyers and accountants. To understand your situation and prepare your quote, we will learn key facts about you and then present a thorough protection plan for your consideration.


A Quick Guide to Insurance

LIFE INSURANCE

If you have a family, life insurance protects them from financial hardship. It works by providing your beneficiaries with a guaranteed tax-free benefit upon your death. This money can help them:

  • Pay off debt
  • Pay for living expenses
  • Pay for education
  • Cover expenses like funeral costs or capital gains tax

If you own a business, life insurance provides a cost-effective defense against threats to that business, such as the loss of an owner or a key employee. Insurance can be used to:

  • Secure loans for the business
  • Fund succession plans
  • Fund a buy-sell agreement
  • Create a tax-free retirement plan
  • Pay capital gains tax

There are two types of life insurance to choose from: term and permanent.

TERM LIFE INSURANCE

A flexible and affordable choice when you have a mortgage to cover or a young family to protect. Like the name says, you buy term insurance for a specific length of time, such as 10 or 20 years. Your premiums increase as when the term expires and renews. Term insurance has no investment component and is considered temporary coverage.

PERMANENT LIFE INSURANCE

With permanent life insurance you get a guaranteed lifetime benefit that does not increase in price or need to be renewed like term insurance does. Permanent life insurance will never expire. Premiums for permanent life insurance are higher than term insurance when you’re young, but lower than term when you’re older, and can be fully paid-up in as little as eight years. Permanent life insurance can also build tax-deferred cash value that can be used to fund education, make major purchases, create a tax-free retirement plan or simply leave to your estate.

There are two types of permanent life insurance to choose from:

Universal Life Insurance

This is the most affordable type of permanent insurance. Universal life insurance has guaranteed permanent insurance plus a tax-advantaged investment option. All cash values in Universal Life insurance grow tax-deferred and you pick the investment option that is best suited to your needs. Universal life insurance offers complete flexibility in premium payments, death benefit and cash value.

Participating Whole Life Insurance

This permanent insurance offers a guaranteed death benefit, guaranteed cash value and can provide dividend returns; because of this, participating whole life insurance is often viewed as a separate asset class and is perfect for people who have a steady income stream, want guarantees in their policy and want professional money managers growing their cash value.

ANNUITIES

When you buy an annuity, you invest a lump sum in order to receive guaranteed regular income payments from the insurance company. Annuity payments continue for life or for a chosen period of time and contain both interest and a return of principal. Annuities may be attractive if you:

  • Value peace of mind over flexibility
  • Want a higher return than GICs
  • Want to minimize taxes
  • Do not want to make investment decisions or worry about the market
  • Seek the highest guaranteed income amount possible from your investment
  • Do not want the risk of outliving your savings
  • Need a way to generate income until pension and government benefits become available

DISABILITY INSURANCE

Your current lifestyle and your retirement plan are only as solid as your ability to earn a living. Disability insurance protects you if you become disabled and are unable to pay your expenses. A disability can result from a number of causes, including accidents, a serious illness or a mental health issue, and can be either short-term or long-term.

Even if you already have disability insurance through your employer, it may not be enough. If you are self-employed, you need the security of your own disability insurance. And if you own a business, individual disability plans can provide you with income replacement, and also:

  • Cover business overhead
  • Pay income taxes
  • Pay the interest on most bank loans
  • Insure the business against the disability of a partner or key employee

MORTGAGE INSURANCE

If you owe money on a mortgage, what would happen if you became injured, suffered a major illness, or died? Would your family be able to pay the mortgage or would they be forced to sell the home?

Most mortgage lenders will give you the option to apply for mortgage insurance directly through them. We advise you to consider the limitations of such mortgage insurance before you agree to the mortgage. In most cases it will be to your advantage to buy term life, critical illness and disability insurance separately than to bundle it with your mortgage.

CRITICAL ILLNESS INSURANCE

Critical illness insurances provides a single tax-free lump-sum payment if you have a serious health problem like a stroke, heart attack, cancer or 22 other covered conditions. The lump-sum payment is not based on your income and can be used however you want, such as to cover your costs if you can’t work, or are undergoing treatment. Some recipients use the payment for home care, special medical treatments, or simply to supplement the family income.

GUARANTEED LIFE INSURANCE – NO MEDICAL

When you apply for life insurance the insurance company usually requires a medical exam, which may include blood tests, a doctor’s report, and other tests to determine your health status and therefore your eligibility for insurance and the premium you will pay. Guaranteed life insurance on the other hand does not require a medical exam and your acceptance is guaranteed before a certain age.


To deliver its insurance services, Leede Insurance Agency works with Hub Financial, one of Canada’s leading master general agents. Hub offers an unmatched level of specialized expertise encompassing all aspects of life insurance. For complex cases involving corporate structures or estate issues, we are supported by specialists provided by Hub Financial’s Advanced Case and Estate Solutions ( ACES) team.

Insurance services are provided by Leede Insurance Agency Inc.

WE WORK WITH LEADING INSURANCE COMPANIES