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Needs Analysis

Before buying any Life Insurance, Critical Illness Protection, and Disability Insurance you have to calculate what family financial needs will be. To do that make sence to assume a percentage of income to be replaced, what could be rate of investments made (from insurance money), expected inflation rate, and number of years to be replaced. There are some tips to help you do this.


- As usual Income to be Replaced

- Do not assume investment rate higher than 8% (we recomment 4%-6% depending on risk tolerance and a perion of time)

- Bank's of Canada target of inflation rate is between 1% and 3%.
Income to be Replaced:
Percent of Income Needed
Interest Rate:
Inflation Rate:
Number of Years to Replace:


If you want to be financial secure you have to buy portfolio of protection insurance. It must be a combination of Life Insurance, Critical Illness Protection, and Disability Insurance. Call us for the proper combination.

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