LIFE INSURANCE


AWealth offers life insurance such as whole life insurance and term life insurance. One of the most popular types of insurance is life insurance. There are many benefits to life insurance such as an influx of cash when dealing with financial problems that often comes from the death of a loved one. The tax perks are great since accidental death benefits is tax-free to the beneficiary and may also be estate tax free if the policy is properly owned. AWealth will work with you according to your needs and that your loved ones are taken care of.

**Life Insurance products & services provided by Carte Financial Services Inc. and Kabis & Associates Inc.

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LIFE INSURANCE BENEFITS


Guaranteed life insurance is for those who want to leave financial benefits to their family. The premiums stay the same, coverage never decreases, and acceptance is guaranteed for Canadian citizens and permanent residents between the ages of 50 and 75 without the need for any medical exam or health questions.

Joint life insurance insures you and your spouse under the same contract, which will make sure that the rest of your family is taken care of when one of you are gone.

Life insurance and critical illness provides benefits such as insurance against an unexpected illness that come with amounts of a higher coverage, protection between the ages of 18-65 for a wide range of illnesses, protection for life for your children or grandchildren, your child’s plan can turn into an adult’s plan once he or she reaches 18 years of age, and no medical review is needed for your child plan to become an adult plan when they reach 18 years of age.

Supplemental life insurance provides you more coverage than an average employer’s company plan. In order to qualify for this policy, you may have medial evaluations to see which rate best fits you.

*Supplemental life insurance remains with you regardless of what company you work for.*

Guaranteed life insurance is for those who want to leave financial benefits to their family. The premiums stay the same, coverage never decreases, and acceptance is guaranteed for Canadian citizens and permanent residents between the ages of 50 and 75 without the need for any medical exam or health questions.

Joint life insurance insures you and your spouse under the same contract, which will make sure that the rest of your family is taken care of when one of you are gone.

Life insurance and critical illness provides benefits such as insurance against an unexpected illness that come with amounts of a higher coverage, protection between the ages of 18-65 for a wide range of illnesses, protection for life for your children or grandchildren, your child’s plan can turn into an adult’s plan once he or she reaches 18 years of age, and no medical review is needed for your child plan to become an adult plan when they reach 18 years of age.

Supplemental life insurance provides you more coverage than an average employer’s company plan. In order to qualify for this policy, you may have medial evaluations to see which rate best fits you.

*Supplemental life insurance remains with you regardless of what company you work for.*

TYPES OF LIFE INSURANCES


TYPES OF LIFE INSURANCES


Term life insurance is flexible, inexpensive, and allows for temporary coverage. You will be insured for a certain amount of time which will be fully guaranteed during the entire term. If you pass away during the term stated in the policy, your beneficiaries will be eligible for a tax-free payment. AWealth offers you the option to convert your term policy into permanent insurance.

Term to 100 life insurance gives you coverage as long as you are alive. The premium will stay the same until you reach 100 years old. Term to 100 life insurance can be accessed by your spouse and children to continue maintaining a good qualify of life upon your death.

Universal life insurance is a flexible and permanent life insurance, providing you many more options than whole life insurance. Universal life insurance comes with term life insurance protection which includes an element of savings that can provide a cash value. Universal life insurance provides great benefits such as the policy holder will be able to use interest from the savings to help pay premiums over a period of time.

*The policy may be changed and reviewed should the policy holder come across a change of circumstance.*

Whole life insurance includes the elements of investment and insurance premiums. A predetermined amount will be paid out when the policy holder passes away. The invest aspect of the policy is that it builds a cash value that the policy holder can withdraw or borrow against. Whole life insurance allows the policy holder to accumulate wealth as the insurance costs becomes covered by premium payments. The policy will protect the policy holder for the duration of their entire life.

Permanent life insurance are life insurance plans that do not expire. Permanent life insurance combine a death benefit which includes a savings portion. There are many advantages to a savings portion such as you can build them into cash value that will allow the owner of the policy to use towards anything like paying off a mortgage or a college tuition.

Seniors life insurance is an insurance policy that covers your and your loved ones lifetime. AWealth offers a variety of seniors life insurance policies with affordable and fixed premium rates that will give you many benefits.

Term life insurance is flexible, inexpensive, and allows for temporary coverage. You will be insured for a certain amount of time which will be fully guaranteed during the entire term. If you pass away during the term stated in the policy, your beneficiaries will be eligible for a tax-free payment. AWealth offers you the option to convert your term policy into permanent insurance.

Term to 100 life insurance gives you coverage as long as you are alive. The premium will stay the same until you reach 100 years old. Term to 100 life insurance can be accessed by your spouse and children to continue maintaining a good qualify of life upon your death.

Universal life insurance is a flexible and permanent life insurance, providing you many more options than whole life insurance. Universal life insurance comes with term life insurance protection which includes an element of savings that can provide a cash value. Universal life insurance provides great benefits such as the policy holder will be able to use interest from the savings to help pay premiums over a period of time.

*The policy may be changed and reviewed should the policy holder come across a change of circumstance.*

Whole life insurance includes the elements of investment and insurance premiums. A predetermined amount will be paid out when the policy holder passes away. The invest aspect of the policy is that it builds a cash value that the policy holder can withdraw or borrow against. Whole life insurance allows the policy holder to accumulate wealth as the insurance costs becomes covered by premium payments. The policy will protect the policy holder for the duration of their entire life.

Permanent life insurance are life insurance plans that do not expire. Permanent life insurance combine a death benefit which includes a savings portion. There are many advantages to a savings portion such as you can build them into cash value that will allow the owner of the policy to use towards anything like paying off a mortgage or a college tuition.

Seniors life insurance is an insurance policy that covers your and your loved ones lifetime. AWealth offers a variety of seniors life insurance policies with affordable and fixed premium rates that will give you many benefits.

Find out which Insurance Plan is right for you?

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FINANCIAL PARTNERS


AWealth has an extensive and trustworthy network of financial partners in Canada to meet your investment, insurance, and mortgage needs.

CLIENT TESTIMONIALS


We have a large number positive 5 star client reviews

Bryan Gilbert
Bryan Gilbert
2022-05-04
Worked with Andrei Tasevski, to get my first mortgage. He is incredibly knowledgeable and taught me a lot. He explained everything about the mortgage process and helped make me feel confident. I would highly recommend Andrei for anyone looking for a mortgage. Bryan
Jay Bhagatwala
Jay Bhagatwala
2022-01-24
Andrei (Carte Financial Services Inc.) helped me a lot in transferring my existing mortgage to different lender. He provided amazing rates for the same. He is honest, timely and reliable , knowledgeable person. I would highly recommend Andrei for mortgage, RRSP, MFs, TFSA and other financial investments. Thanks Andrei for everything.
Mandeep Singh Ahluwalia
Mandeep Singh Ahluwalia
2022-01-23
Andrei from Awealth has helped me and my family with our financial needs. Andrei has constructed an investment portfolio for our TDSA and RRSP accounts that is outperforming the benchmark. Also, Andrei has set up a risk management plan that has our family fully protected from unforeseen events. Andrei is trustworthy, knowledgeable, patient and most of all a human who cares for other humans. I highly recommend Andrei as a trusted Financial Advisor.
Prashant Warrier
Prashant Warrier
2022-01-22
I have been working with Andrei to help me with my financial planning. We have been working together for over a year and what I really like about him is his ability to explain the pros and cons of the investment, looking at the overall picture in terms of his clients financial position, goals,.risk appetite and charting out a roadmap to achieve the financial goals. Look forward to a working with him closely to achieve financial goals in the coming years! Thank you Andrei for all your help.
trudel dorcine
trudel dorcine
2021-10-21
Andrei from Awealth has been my Financial Advisor for over 7 years I was working with the banks before but Andrei's knowledge and understanding of my needs is way beyond anything else I had experienced before. Portfolio is rock solid, returns are over delivering year of year and I have a written financial plan, again something that the bank never offered me. I strongly reccomed you to connect with Andrei.
Rose Lefebvre
Rose Lefebvre
2021-07-21
My fiancé and I remortgaged our home. I can’t begin to explain what a help Andrei is not only did he find us the best rate but he was able answer any question we had. Very flexible with time (my fiancé and I work odd hours) and very knowledgeable. This was the best choice we made. He’s very friendly and got things rolling pretty quickly. I’d recommend him to anyone and everyone. It’s honestly the most stress free decision you’ll ever make.
Marvin Torreno
Marvin Torreno
2021-02-04
I’ve been investing with Andrei and AWealth for many years. I have 3 children and he setup RESP investments for all 3. He was very helpful and explained the process entirely. I also had my RRSP investments scattered with many banks. Andrei helped me consolidate all of my RRSP investments. On top of that, I am seeing much greater growth now that he is managing my investments (versus what I was getting at the bank). I highly recommend Andrei and AWealth!!
Kavita koundinya
Kavita koundinya
2021-01-04
Andrei recently helped me and my husband refinance our mortgage and is professional, easy to work with and incredibly patient! The whole process was smooth and needless to say we will be coming back to him for any future financial services. Thanks, Andrei and we wish you continued success!
Hillditch D'Souza
Hillditch D'Souza
2021-01-04
Andrei’s integrity and strong financial planing acumen is helping guide our vision towards our goal in a balanced and pragmatic way.
Damien Northmore
Damien Northmore
2020-08-05
referred to me by a dear colleague, Andrei has been an excellent financial advisor! Andrei helped me and my family create a financial plan that includes managing my RRSP, TFSA and Non Registered accounts. ( also points for taking full advantage of an Investment Loan program that I didn't know exist) Also he helped set up an amazing RESP provider that bonuses my child's education fund by 15% each year. Not to mention that he was able to provide better life insurance coverage compared to my previous policies. In terms of cash, I've seen some great returns too. He's a great guy and very responsive and happy to answer any questions I have. Highly recommend!

CONTACT US


Feel free to call or email. You can also fill out the form below to book a consultation with us.

CONTACT US


Feel free to call or email. You can also fill out the form below to book a consultation with us.

Book a Consultation

Which Awealth Plan is right for me? Schedule a consultation on your investment, insurance or mortgage needs.

Book a Consultation

Which Awealth Plan is right for me? Schedule a consultation on your investment, insurance or mortgage needs.