Financial Planning | lifeandhealth

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Retirement Planning

The insurance protection for individuals and employers:

Accident Plans – individual voluntary accident insurance coverage that pays both lump sum and daily hospital benefits to insureds for injuries received as a result of a covered accident.

Critical Illness –employees can use the benefits from this product to help cover out-of-pocket costs.

Cancer Plans – Provides valuable assistance during a hard time in life. so your family can focus on what is truly important.
Disability Coverage – Provides income to pay for rent/mortgage, food, clothing, increased medical expenses and childrens educations, while you are inable to work.

Pension Review

Things to cover in a pension review:

- Review current pension plan and contributions
- Assess retirement goals and timeline
- Evaluate investment performance and fees
- Consider potential tax implications
- Explore options for consolidating or transferring pensions
- Discuss any changes in personal circumstances that may affect pension planning
- Develop a personalized pension strategy based on individual needs and goals.

Reviewing your pension is an important step to ensure that you on track for a comfortable retirement. By taking the time to review your pension, you can identify any gaps in your savings and make adjustments to your contributions or investment strategy. Don't wait until's too late, start reviewing your pension today to secure your financial future.

INSURANCE

HOURS & LOCATION

Legacy

Life insurance is a crucial step in planning for your future and the future of your loved ones.

Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.

J J Wright & Associates

Financial Planning Specialist