28 Ways To Take Advantage of Cindy Bowden!

Ok, so we don’t really mean that you should take advantage of us, but you are certainly welcome to take advantage of our expertise, experience and our inside-out knowledge of insurance. Beyond buying life insurance, business insurance or employee benefits, here are twenty-eight ways that we have helped our clients, and twenty-eight ways you can count on us to help you.

1. Negotiate and fund a buyout agreement between partners.

2. Ensure the continuity of a company in the event that a key partner gets a life threatening illness.

3. Determine the best way to allocate a $100,000 windfall.

4. Disentangle personal risks from business risks, thereby protecting the family.

5. Negotiate disability claims for employees who cannot work at their own occupation.

6. Help employees select appropriate investments for their pension plans and RRSP’s.

7. Help plan for retirement.

8. Help select appropriate pension and retirement contracts and options.

9. Insure people who appear to be uninsurable.

10. Make sure funds are available at death to pay taxes on various assets.

11. Coach administrators of benefit plans to maximize their contracts.

12. Explain benefits to employees in the context of their lives in language they can understand.

13. Protect employees from assuming extraordinary financial and insurance risks.

14. Protect companies from unilateral changes caused by outside forces such as banks.

15. Insure against losses caused by debt.

16. Design and implement benefit and retirement plans that suit your corporate culture, objectives and budget, and maintain as necessary from year to year.

17. Conduct seminars to explain your benefit plans to your employees and how they work.

18. Support employers and employees throughout difficult long term disability claims for key people and regular employees.

19. Perform an audit of your existing policies to ensure you are properly covered.

20. Make sure planning takes into consideration various types of taxation.

21. Provide tax effective lifetime income for individuals and families.

22. Insure planning takes into consideration potential for large health risks.

23. Fund estates to support disabled children.

24. Fund buyout of partner’s shares.

25. Fund the succession of a business.

26. Eliminate corporate debt and other obligations if a key person dies or gets a life threatening illness.

27. Reduce costs by eliminating unnecessary overlaps in coverage between life, business and employee policies.

28. Provide a single point of contact for all insurance needs.