Health Insurance

Many people take the time to insure their home, car and personal belongings, but do they think about insuring what is most valuable to them, their life and health? The future of their families?

At death, you must make sure to have sufficient funds to pay expenses related to the death, such as:

• personal debt;
• the funeral expenses;
• tax;
• an emergency fund for unexpected expenses;
• an education fund for your children; and

Similarly, your future earnings could be greatly reduced or lost if you have a disability or a serious illness. Not only will your family have to worry about the above expenditure but also of the costs of care you may need. Disability insurance and critical illness insurance are necessary solutions.

Insurance has the advantage of adapting to your particular needs. In addition, life insurance provides your heirs tax free amounts that can protect against creditors, probate fees and other costs of administration of an estate.

The Botica Financial Group offers a full range of personal insurance products. Depending on your personal needs, family, economic and tax advisor will guide you in order to offer the best product available on the Canadian market.

Whole life insurance provides lifetime protection, with or without participation (dividend). The products vary according to the insurance company chosen, varying the guarantee premiums, death and other capital.