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  2. How We Work
  3. Life Stages

Life Stages

Your needs as an individual or business owner shift depending on your stage of life. We’ll consider the following when developing your financial security plan:

Early Career

Your most valuable asset is your ability to earn an income. Choosing the right combination of life and disability insurance products can help protect this income.
If you have a mortgage or other large loan, term life insurance, disability insurance or critical illness insurance offers cost-effective ways to cover outstanding debt if you die, become disabled or suffer critical illness.
If your employer doesn’t offer a group benefits plan, investing in additional health and dental insurance coverage may be one option to provide you with this protection.

Family

Once you have children, your needs change – it's a good time to review your financial security plan.
Plan for your children’s future through registered education saving plans (RESPs) and a low-cost life insurance policy they can build on later.

Business Owner

If you own your own business, insurance can help cover outstanding business loans or mortgages if you die or suffer from critical illness.
A health and dental insurance plan may be tax-deductible as a business expense.
People are a key resource for your business, and so we offer a variety of group insurance options.

Retirement

If you’re aged 50 or older, chances are you’ve either already retired or are thinking of retiring. Insurance can help supplement your retirement income, and help you leave a tax-free legacy.
If your benefits end when you retire, we offer additional health and dental insurance coverage.

How We Work

  • Life Stages
  • Four Cornerstones

Contact Us

Don't hesitate to get in touch with us.
We would love the opportunity to become your trusted advisor.

Phone: 1 (905) 835-0778

Email: inquiry@hfwm.ca*

, , Ontario

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The information on this website is intended for residents of Ontario only.

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