INSURANCE
Creative Solutions. Expert Advice.
Insurance is integral to ensuring and protecting financial stability for your business, family and estate. At Hanser Financial, we offer the full range of insurance products and services for individuals and businesses. Our clients are provided with sound expertise in structuring custom designed insurance solutions. We are also experts at providing creative funding options for larger policies which can help reduce your costs.
Below are more details on the various insurance products and services we offer:
Life Insurance – Hanser Financial delivers custom corporate and personal life insurance solutions for high net worth clients. Plans are tailored to client’s specific situations and are backed by Canada’s leading insurance companies. Hanser offers Term, Whole Life and Universal Life plans, as well Group Benefits plans for employees.
Disability Insurance – Hanser Financial provides personalized and professional planning and advice to help you select the right type of disability plan to ensure you have the income you need in the event of sickness or injury. We offer specialized expertise in navigating the complex world of underwriting to ensure you receive top quality disability insurance.
Critical Illness Insurance – Critical Illness insurance provides tax-free money to support people and their families affected by a serious illness such as cancer or a heart attack. Hanser will discuss the best critical illness options for you and guide you through to making the best decision.
Key Person Insurance – Key Person Insurance offers pivotal protection and the means to preserve the value of your business in the event of the death of a key business stakeholder. At Hanser, we will educate and advise you on obtaining robust coverage.
Buy/Sell Insurance – Businesses need to ensure that shareholders are protected from the financial risks associated with the loss of an owner. In addition, surviving shareholders need to make sure that funds are immediately available to buy out the shares of their deceased partner(s). Insurance provides this important protection. To meet your Buy/Sell Insurance needs, Hanser Financial offers expert technical knowledge and a network of professional resources, such as tax lawyer specialists, who will provide a comprehensive review of your Buy/Sell Agreement to ensure it is tax efficiently funded.
Underwriting Services – The Underwriting process involves assessing the person or business who requires insurance, including looking at such factors as their medical condition and/or financial situation. This is a complex process requiring specialized skills. Hanser Financial are experts in this challenging process and employ professional underwriting consultants when needed to provide clients with the best possible services.
Annuities – Annuities provide a pivotal income stream that will continue as long as you need it. There are several annuity options that can offer you substantial returns while still providing the same level of risk as a GIC or bond. Hanser will customize a Guaranteed Life, Term Certain or Prescribed Annuity, depending on your priorities and situation. Moreover, Hanser Financial specializes in structuring various types of insured annuities by pairing an annuity with a life insurance contract. The result is often a significant increased yield on your investments in a tax effective manner, with no risk, and the full return of your capital in your estate.
Segregated Funds – Combining the growth potential of a mutual fund with the security of a life insurance company guarantee, segregated funds are a practical investment solution that can guarantee your principal, protect you from market losses and provide significant estate benefits.
