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Wealth Management Insurance

YOU CAN'T PREDICT THE FUTURE... BUT YOU CAN PROTECT IT WITH THE RIGHT INSURANCE.

Protect your future and your loved ones with Critical Illness, Disability and Personal Insurance offered through Chinook Wealth Management*.

 

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Critical Illness Insurance

Recovery Without Financial Strain

Every year hundreds of thousands of Canadians from every walk of life suffer from serious illnesses. Thanks to progressive medical practices, many of these people survive and recover fully. But recovery takes time . . . and money.

 

Critical illness insurance helps survivors and their families manage the costs associated with treatment and recovery by providing a lump sum payment - when it's needed most and for whatever purpose. These funds might allow recovering survivors to take care of existing debt, provide for their children, and ease the financial burden that presents itself when a person requires a prolonged or permanent absence from their job.

 

Unlike life insurance, critical illness insurance is there for you while you're living. ChinookWealth Management offers insurance products that help you maintain financial balance so that, in the unfortunate event of a critical illness, you and your family can focus on recovery and the future.

 

Features

  • Provides a lump sum of tax-free funds after diagnosis of a critical illness.
  • Is independent of a survivor's ability to work.
  • In the event of death, premiums are refunded to the beneficiary.
  • No approval is required for expenditures.

How This Product Benefits You

Traditional life insurance provides for families in the event of death, but it falls short when you survive a medical crisis. Your financial security is most threatened when you are diagnosed with a critical illness because it usually means your income will be severely compromised during treatment and recovery. Critical Illness Insurance eases the financial pressure by providing a lump sum payment upon diagnosis of a covered condition.

Critical illness insurance provides you with freedom of choice during the most difficult time in your life. If you want to try alternative therapies, be treated outside of the country, hire someone to take care of you, enable your spouse to take leave from work, or hire a nanny to take care of your children, you choose how to spend the funds provided. You can protect your savings and assets and maintain your family's lifestyle.

 

 

Disability Insurance

You may have already purchased life insurance to cover the risk of death. It's just as critical, however, to purchase insurance that will cover the greater risk of disability. After all, the income you earn pays for all of your lifestyle needs and financial obligations - your home, cars, utility bills, loans and credit cards, investments, vacations, entertainment and your children's education. Without your income, your needs and objectives may become jeopardized.

 

If you're like most people, your ability to get up each day and earn an income is one of your most valuable assets. This is why, if you are the primary breadwinner in your family, you should be considering disability insurance. Our Chinook Wealth Management team offers insurance coverage that will protect everything they've worked for should they become disabled and cannot continue to work.

 

Features

  • Cost of living option to help your benefits keep up with inflation.
  • Choice of payment options, waiting periods, benefit periods, and monthly benefit amounts.
  • Riders that help you customize coverage to accommodate specific needs and objectives.

How This Product Benefits You

  • Chinook Wealth Management offers our members comprehensive disability insurance that is designed to provide a financial safety net when earning power is compromised. From covering loan payments to keeping pace with the pressing cost of living, our disability insurance products effectively replace a portion of earned income in the event of an accident or illness.
  • Disability insurance provides tax-free monthly income to help maintain your lifestyle, meet your financial obligations and protect your family.

 

Personal Insurance

It's not easy to think about, but in the event of a tragedy, a life insurance plan can have a big impact and make things easier. Designed to provide funds for expenses, taxes, and other costs at death, financial suffering and hardship can be minimized for family members if a good life insurance plan is in place.

Life insurance can also be used as an estate planning tool or as a viable tax shelter. The Chinook Wealth Management team offers life insurance plans that can act as a wealth enhancement tool before death.

 

Chinook Wealth Management also offers a wide range of innovative and easy-to-understand insurance products that can be customized to meet your needs.

 

Features

  • Provides peace of mind.
  • Maintains your family's standard of living at a time of emotional crisis and financial strain.
  • Helps protect financial obligations in the event of a death.

How This Product Benefits You

  • Personal life insurance gives you and your family the security of knowing that loved ones will be taken care of in times of need.
  • Personal life insurance ensures that a surviving spouse can handle the mortgage payments, living expenses, and the education of your children and even prepare for retirement.

 

?Did You Know

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The Legal Stuff:

*Terms and conditions apply.  Your insurance contract will provide details of the coverage available under the plan you choose. Restrictions may apply. Chinook Wealth Management is a program provided by Credential Financial Strategies Inc., offering financial planning, life insurance and investments to members of credit unions and their communities. Trade-mark(s) of Chinook Wealth Management are used under licence by Credential Financial Strategies Inc. All trademarks are the property of their respective owners. The advice on our website is prepared without knowing your personal objectives, financial situation or needs. Before you act on this or any advice, please consider if it's right for you, and reach out to our teams to help determine if the product is appropriate for you.  Legal Terms of Use apply.