Life Insurance

Living Benefits

Investments

Tax Planning

Term Insurance (and Mortgage Protection)

Protect your mortgage and cover financial obligations in the event of death, critical illness, or disability with term insurance. Unlike many mortgage insurance policies term benefits aren't married to the value of your mortgage, but are guaranteed for the life of the policy. Should you pass away during the term of the policy, your beneficiaries will receive tax-free payments that they can use as they see fit, such as pay off the mortgage, loans, or funeral expenses. Furthermore, unlike traditional mortgage insurance, term insurance is underwritten before it is issued and guaranteed to pay out the death benefit. Typical mortgage insurance often does not pay out in full, and sometimes not at all.

(*)Insurance provided through Carte Risk Management Inc.

Annuity Insurance

Enjoy permanent protection with tax-advantaged investment growth within the policy that will pay you a guaranteed regular income, typically during your retirement years. Flexible payment options give you the freedom to choose income payments monthly, every three months, every six months, or once per year. You can even choose to receive payments now, or defer them to a later date.

(*)Insurance provided through Carte Risk Management Inc.

Accidental Death

Accidental death insurance provides benefits in the event the insured is involved in an unforeseen, unexpected, and undesirable incident that results in their loss of life. Benefits are tax-free and paid in a lump sum to the beneficiaries.

We can’t predict when an accident will occur, but can be prepared with financial compensation that helps loved ones cope when tragedy strikes.

(*)Insurance provided through Carte Risk Management Inc.

Funeral Insurance

Funeral insurance, also known as burial or final expense insurance, can help your family through a difficult time by covering the costs of your funeral, cremation, burial, and other related expenses.

Saying goodbye to a loved one is never easy, and funeral insurance can help ease the worry of financial burdens during the grieving process.

(*)Insurance provided through Carte Risk Management Inc.

Guaranteed Life Insurance

Regardless of your current health condition or medical history, if you’re between the ages of 50 and 75 you’ll be approved for Guaranteed Life Insurance with no questions asked or medical examination required. Your premiums will never increase and the benefits will stay the same throughout the life of the policy.

(*)Insurance provided through Carte Risk Management Inc.

Health Insurance

Health insurance allows you to save on healthcare costs not covered by provincial healthcare plans or your employer. Eligible services covered under health insurance include dental, hearing aids, prescription drugs, nursing, home care, physiotherapy, massage therapy, and much more. Also, if you’re self-employed and without health benefits, this product has you covered!

(*)Insurance provided through Carte Risk Management Inc.

Critical Illness

If you develop an illness that requires long-term treatment and recovery, critical illness insurance helps you cover basic household expenses so you don’t have to withdraw from your RRSP or other savings. It’s also a great option for self-employed business owners to keep their business operating during convalescence. With critical illness insurance, you have the freedom to solely focus on your recovery.

(*)Living benefits provided through Carte Risk Management Inc.

Disability Insurance

In the unfortunate event you become disabled and are unable to earn an income, disability insurance can help by replacing a portion of your income over the short or long term. Disability can result from a number of causes, including a personal injury, serious illness, or mental health issue. Benefits can be used to cover household or other important expenses, as you see fit.

(*)Living benefits provided through Carte Risk Management Inc.

Travel Insurance

Nothing ruins a trip more than having insufficient insurance coverage when you need it the most. Our plans include medical coverage for your entire family, including emergency coverage in the event you require an out-of-province hospital stay. Whether you travel around the world or across the country, we have a travel insurance plan that’s right for you.

(*)Living benefits provided through Carte Risk Management Inc.

RRSP

Take advantage of generous tax benefits while building up your retirement wealth with a Registered Retirement Savings Plan (RRSP). Our advisors will regularly review your RRSP to make sure it’s as tax-efficient as possible, and keep your investment portfolio diversified and profitable to help you have the retirement you’ve always dreamed about.

(*)Segregated funds provided through Carte Risk Management Inc.

(**) Mutual funds provided through Carte Wealth Management Inc.

TFSA

Do you have a Tax-Free Savings Account (TFSA)? Dividends and capital gains generated by investments within a TFSA are tax-free, even when withdrawn, so your savings will accumulate faster. There is no annual deadline to contribute to your TFSA, and if you need quick access to cash, you can make no-cost withdrawals at any time

(*)Segregated funds provided through Carte Risk Management Inc.

(**) Mutual funds provided through Carte Wealth Management Inc.

Non-Registered Account

Benefit from flexibility, consistent liquidity, and no contribution limits with a non-registered investment account. Capital gains from investments within these accounts are only subject to tax upon withdrawal and are taxable at only 50% of your marginal tax rate. Unlike RRSPs and TFSAs, there are no contribution limits, giving you unlimited investment freedom.

(*)Segregated funds provided through Carte Risk Management Inc.

(**) Mutual funds provided through Carte Wealth Management Inc.

RESP

Benefit from flexibility, consistent liquidity, and no contribution limits witGive your children’s post-secondary education the best start possible with a Registered Education Savings Plan (RESP). When you open and contribute to an RESP, you’ll access the Canada Education Savings Grant (CESG), which allows the federal government to also contribute to your child’s education to a maximum of $7,200 per child over the lifetime of the RESP.h a non-registered investment account. Capital gains from investments within these accounts are only subject to tax upon withdrawal, and are taxable at only 50% of your marginal tax rate. Unlike RRSPs and TFSAs, there are no contribution limits, giving you unlimited investment freedom.

(*)Segregated funds provided through Carte Risk Management Inc.

(**) Mutual funds provided through Carte Wealth Management Inc.

RDSP

If you or someone you care about has a disability, you can open a Registered Disability Savings Plan (RDSP), which will provide them with financial security to help with their specialized needs. Funds grow tax-free until withdrawal, have flexible payment terms, and will give you or your loved one added independence and income through the later years.

(**) Mutual funds provided through Carte Wealth Management Inc.

Tax Planning

FiduSure financial advisors understand the tax implications that successful investing can bring. We’ll develop a complete tax planning strategy that protects as much of your hard-earned money from the taxman as possible. Our advisors will also make appropriate adjustments in accordance with life events, such as marriage, having children, or buying a home.

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