We want to be your FIRST
CHOICE for Insurance:
At Integral Asset Management Ltd, we take care of you from essential financial protection for you, your family and company to more
sophisticated tax and estate planning needs. Along with our team of expert partners, we are confident in the
expertise of delivering insurance solutions to Canadians
Understanding Insurance: How does it apply to you?
Think about it as lifestyle protection: As we move forward in life, our responsibilities grow such
as our profession, our living habits and most importantly our families. It is important to understand the
following when seeking advice in Insurance:
· Life Insurance: Think of this as succession planning. Typically your options would be Term Life Insurance VS Permanent Life
1. Term Life Insurance: You have a targeted and fixed commitment where the monetary risk and time frame is manageable
and foreseeable. Most commonly applies to
Mortgages, Business Commitments and in some cases early Family Planning.
2. Permanent Life Insurance: This particular type of insurance is very effective in managing ongoing demands of constant yet
complex and ever evolving risks. Family Planning and Lifestyle Protection would be the most common while
Estate Planning would definitely be a key factor here.
· Disability, Critical Illnesses and Long Term Care Insurance: These types of insurances are going to take care of your income needs in case of disability or
sickness. Therefore think about these as Income Replacement Planning. It is critical to factor these into
your overall plan especially with recent studies showing Canadian families taking on more debt while becoming
ever so depending on a steady income stream.
Prudent planning will ensure results. While working with your
Integral Asset Management Financial Consultant, completing a financial risk management and insurance analysis
will take the guessing game out of life as peace of mind puts you in charge to accumulate
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