a division of sterling brokers
BUSINESS SERVICES
We are passionate about protecting you, your business, and your employees. We provide critical illness insurance, disability insurance, and insurance in case the unthinkable happens and you have a major set back caused by a death in the business.
We know how hard you have worked to get your business to where it is today. It’s our total passion to help you find the products you need to make sure you are covered if you ever require it.
LIFE INSURANCE
Life insurance can help protect your company, your family, your partners and key employees in the event of an unexpected death. It can also help you get more from your company's assets and reach your long-term financial goals.
Protect your business
What would happen to your business and your employees if something unthinkable were to happen? Insuring your people with Life Insurance with Riverview Insurance Solutions is the same as insuring your assets. Your key people have helped build your business and it could be financially devastating for you and your business if something were to happen.
You can use life insurance funds to pay debts and expenses to help keep the business going, find and train a suitable replacement, assure creditors and suppliers that funds are available to meet commitments and reassure customers that your business has the means to continue.
Leave a legacy
What will happen to your wealth when you die? It is responsible to plan now and maximize what you leave behind. Riverview Insurance Solutions has permanent Life Insurance options that will pay your beneficiaries tax free. Did you know, investing in Life Insurance will help to reduce annual taxes payable and grow your total net worth?
DISABILITY INSURANCE
On average, 1 in 3 people will need disability insurance benefits for 90 days or longer at least one time before they reach age 65. If you are that 1 in 3 person – the average length of your disability will be 2.9 years.
How will you pay your bills if you’re sick or injured and not able to go to work and earn your living?
Disability Insurance – Personal
Pay-Cheque Protection – Whether you’re a professional, business owner, executive or employee, you know that your ability to earn is your most important asset. The risk to your earning potential can be managed with an individual disability insurance policy.
Your ability to earn is your most valuable asset – disability insurance will replace your pay cheque and enable you to continue paying your bills and living your life if faced with a serious illness or injury.
Disability Protection – Business
Do you need to protect your independence and profitability?
Our advisors specialize in insurance policies to fund a shareholder agreement with a lump sum payout. We can show you various types of disability insurance to reimburse overhead expenses, fund your buy-sell agreement or help you hire a replacement for a key employee that has suffered a serious disability.
Disability Coverage – Special Risk
There are several situations where disability insurance is not available through the traditional insurers. We have special risk underwriters that specialize in hard to insure situations. Even if you’ve been declined, we can likely find you an insurance policy at a competitive price.
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Dangerous Job or Avocation
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Individuals working past age 65
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High Income/High Limit Needs
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Certain Foreign Travel or Working Expats
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Been Declined for Traditional Insurance
Every individual situation requires special consideration and our insurance advisors can explain your options for disability protection in simple language that’s easy to understand. Contact us for a quick informational chat – 1.877.342.4822
CRITICAL ILLNESS
A healthy lifestyle is your best defense against serious health risks. However, a critical illness such as Cancer, Stroke and Heart Disease can strike any of us – at any time.
The best way to manage the financial risk of a Critical Illness is an insurance policy designed to pay a lump sum if an insured suffers a covered critical illness. The money can be used any way you need and having cash infusion really takes the financial pressure away and enables you to focus on recovery.
The majority of claims for Critical Illness Insurance are paid for life threatening Cancer.
DID YOU KNOW?
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One in three Canadians will develop a life-threatening cancer.
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One in two heart attack victims are under 65 years old.
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50,000 Canadians suffer a stroke Annually – 75% will be left with a disability.
Critical Illness Insurance provides cash when its needed most. It’s a lump sum benefit paid if you suffer and survive a covered critical illness. You can use this money to supplement your disability insurance and reduce your overall financial burden.
Use the money any way you need:
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Critical Illness Insurance can help fund a leave of absence for your spouse.
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Reduce your mortgage, credit cards or other debts.
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Keep your business running.
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Maintain your independence with home or vehicle modifications.
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Hire domestic help around the house for cleaning or landscaping.
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Access cutting edge U.S. medical treatment.
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Pay for family members travel expenses to be with you.
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Lastly, with a critical illness insurance benefit you may not have to go into debt or withdraw money from your retirement savings to remain financially stable and independent while you recover.
Take the Critical Illness Insurance Quiz:
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Do you know of anyone who has suffered a critical illness such as Cancer, Stroke or Heart Attack?
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Was the diagnosis a surprise to them?
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Did the event cause emotional or financial strain?
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Would money have helped?
Did you answer yes to 3 or more questions? If yes, then feel free to contact us today for a free quote and quick informative chat 1.877.342.4822
TRAVEL INSURANCE FOR YOUR BUSINESS
Travelling Canadians – choose from these options:
Single-Trip Plan: Provides holiday travel coverage for one trip for the number of days purchased. No age limit but expect to answer medical questions if you are over age 55.
Quick Trip Plan: Provides holiday travel coverage for one trip of less than 18 days for those 55-74 years of age. There are no eligibility questions for this option.
Multi-Trip Plan: Provides holiday travel coverage for an unlimited number of trips during the policy year for the number of days purchased. Options of 4, 10, 18 and 30-day plans. No age limits.
All-Inclusive Plan: Provides several benefits all in one plan. It covers Emergency Medical, Trip Cancellation & Interruption, Baggage Loss, Delay & Damage, Flight Accident and Travel Accident.
Travel Canada Plan: Provides Emergency Medical Insurance if all holiday travel is within Canada at 50% off the regular Single-Trip Emergency Medical Plan rates.
Trip Cancellation/Interruption Plan: May be purchased as part of an All-Inclusive Plan or separately. If purchasing separately, must be purchased within 8 days of booking your travel plans.
Call us toll free at 1.877.342.4822