This is what you have to gain from a well-planned life insurance program. We conduct the research to determine your actual needs, according to your income, mortgage/debts, dependent costs and estate. This allows us to create an innovative and cost-effective design that can help:
As a business owner, your retirement income is entirely dependent on your own planning. While some plans may achieve financial security, others may offer a little beyond.
By hedging investments with risk management solutions, our clients are offered a unique and personalized enhanced retirement plan. Based on the unique goals set for their postretirement life, we use wealth management strategies to:
It is also your company’s most important asset. Disability insurance protects you from risks that would reduce your earning ability. Most importantly, it provides repayment of loans or lines of credit in a time of need.
I have worked with Phil for over 10 years and I have enjoyed working with him. He brings to me and my company a wealth of knowledge in the areas of Life Insurance, Investment Planning, and Employee Benefits. He provides prompt and attentive service and I would not hesitate to recommend him.
Dobco Equipment Ltd.
Phil has been providing valuable services to our company in the areas of employee benefits, life and disability insurances for many years. Phil is not only very knowledgeable about the products and services that he provides, he can also be very creative in finding the right solutions for his clients in unique situations and needs. He is always available when we need him and never says no to any requests.
Director of Finance & Administration, Retired
Phil takes the time to understand my individual goals and presents me with options to help me get there.
Scorecard Systems Inc.
We have worked with Phil Hale for many years. Phil is very client focused and provides an exceptional level of service. He ensures we have a complete and full understanding of the group benefit renewal including premiums, experience, and coverage all while ensuring the underwriter is providing the best possible value combination of pricing, coverage and service.
Phil stays active with our account during the year by reviewing our claims / premium experience and holding all stakeholders accountable. Phil is very responsive to our needs and questions by demonstrating a patient understanding of our questions and concerns.
Bruce Bailey, CA, CPA
Vice President Finance
Alcohol Countermeasure Systems Corp