Disability Income Insurance is essential to any comprehensive financial plan. While we always hope to avoid tragedies, death, disability or critical illness can strike at any time. Insurance is what can protect you and your family from undue hardship. The Integrated offers:

• Life
• Long-term care, disability, and critical illness
• Health and dental
• Group health benefits

There is strength in each policy, but we customize combinations of policies to help protect you and your loved ones for the situations that carry the most risk. Contact us today to discuss your insurance options in more detail and understand how they can fit into your Wealth+ picture.

Life insurance

Once you have a spouse or children to be concerned with, death can be even more concerning. Life insurance offers surviving family members increased financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents. The advantages of life insurance include:

• An instant estate for your loved ones at a time when funds are most needed
• Death benefits that are almost always non-taxable for named beneficiaries
• Avoid probate costs if you name a beneficiary other than your estate
• Potentially offer your loved ones creditor protection through some life insurance plans
• Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans

The Integrated can help you select coverage from a variety of life insurance options to meet the needs identified in your financial security plan - contact us today to find out how.

Long-term Care and Disability Income Insurance

The Integrated offers you options that will help protect one of your most valuable assets – your income – from unexpected events through long-term care, disability and critical illness insurance. Long-term care and disability income insurance is important for both current financial obligations (e.g., grocery bills and mortgage payments) and for future financial security (e.g., planning for your children’s education or for retirement). Just think what might happen if you suddenly lost your income stream through a long-term illness or disability. The Integrated works with clients to choose the right long-term care and disability income insurance products that provide advantages like:

• Helping maintain your financial independence, lifestyle and long-term financial security plan in the event your income is impacted by disability
• Assist with paying fixed expenses for your business if you become disabled
• Support the buy-out of a disabled partner’s share of a business

We can similarly help tailor your financial security plan so it protects your income through long-term care and disability income insurance.

Group health benefits

In today’s working environment, valued employees are looking for more than financial compensation. They also want an employer who supports their health, and the health of their families. The Integrated can help you build a powerful benefits package to attract the talent you need for your business to succeed. For this reason, either by itself or paired with group insurance products, consider attracting and retaining employees with group benefit plans. From traditional health and dental benefits to alternative arrangements like employee wellness programs, group auto insurance or flexible work situations, group benefits help make employees more efficient, productive, and happy. Employers also gain tax benefits, such as deductible premiums in some cases. Flexible plans offer employers and employees cost-effective, customized ways to address their needs.

Choose from an array of benefits like:

• Extended health and dental care coverage, which includes options like prescription drugs, paramedical services, vision care, out-of-country medical coverage, basic dental work and orthodontics
• Group life insurance
• Group short- and long-term disability income insurance
• Employee assistance and wellness programs
• Alternative group benefits, such as group auto insurance or flexible work arrangements
• Group critical illness coverage, to help ensure your employees can survive a critical illness
• Benefit plans tailored to employee groups, such as foreign or part-time workers

We also work with employers to define customized benefits and novel strategies when appropriate. Contact us to learn more about designing the right benefits strategy for your needs.