Insurance

Insurance is of utmost importance to any quality financial plan. No matter what type of insurance you obtain, you are taking the steps to protect those that you truly care about. There are many insurance options out there and we will find the right fit for your financial protection. We go through the tough questions- Do I have enough coverage? Am I overprotected? Is this company worth having insurance with? What will happen when I die? Will my spouse be taken care of? 

What can Rubbix do for me? We are happy to go over all your policies with a fine-tooth comb to ensure they are accurate and worth having. We will also tell you what we believe you should be covered for and why.

Life Insurance

Holding HandsCanadians mainly use life insurance to protect their heirs and loved ones from unforeseen loss. Others may use it to fund their retirement or reduce tax liability at death. Life insurance is a tax-free benefit paid to your named beneficiary. There are many options for life insurance from "term to permanent" coverage. Options to cover your mortgage, debts, incomes, and provide your loved ones with a life without financial stress. There are also options for businesses such as corporate insurance or buy-sell insurance. According to CLHIA (Canadian Life & Health Insurance Association roughly half of Albertans have personal life insurance. There is also a major difference between Mortgage Life Insurance & Traditional Life Insurance. By buying mortgage life insurance you are buying a reduced life insurance plan at the same price as a level coverage option. Mortgage Insurance also pays your lender NOT your family. Traditional Life insurance is level coverage and pays your loved one the full amount. We are here to assist you and your family. We have access to over 30 different companies and products for you to choose from

Buy-Sell agreement

A buy-sell agreement is an agreement between business partners/shareholders as sort of a premarital agreement. It is often recommended by accountants or business succession specialists to ensure that if something happens to one key member of the company there is a plan in place to purchase the deceased or disabled partners shares. It is often suggested that this is well or overfunded as typically a companies value will increase over time. Buy-sell agreements are sometimes forgotten during the process. If you are a business owner with partners in your company it is suggested to check your agreements in place and ensure you have the proper coverages you need. 

Critical Illness

Critical Illness is a benefit that is paid directly to you. You decide the amount of coverage you want, and the sum is paid out tax-free if you suffer from a serious illness and/or medical condition such as Cancer, MS, Heart Conditions. Some companies we work with cover 26 or more serious conditions. If you develop an illness or are diagnosed with one and live for 90 days you receive the money in most cases.  You get to determine how you want to spend it. Maybe it is that trip around the world you've been wanting to do or sailing in the ocean. With the rising rate of illnesses, this is very important to look at. According to the Canadian Cancer Society, more than 4600 new cancer cases are diagnosed each day. We have access to a product that will allow you to get all your payments back at a certain time. If you get diagnosed you get money back tax free, if you don't you get your money back. 

Disability Insurance

Long Term CareWhen an employee is unable to work due to an illness or injury, paying the bills and putting food on the table can present them with challenges. Not everyone has enough savings. There are short and long-term options for individuals and business owners. We focus on the ability, not the disability. This allows you to maintain the income you need to live the lifestyle you currently enjoy. According to Stats Canada 1 in 7 Canadian aged 15 and older reported some sort of disability. We can find a solution for you. We have access to a program that also allows you to get a portion of your payments back after a period of time. 

Long-Term Care

LTC offers an array of services which helps meet both medical and non-medical needs of people with a disability or chronic illnesses who cannot care for themselves for long periods of time. This can be provided at home, in the community, assisted living facilities or in a nursing home. This is more common among senior citizens but this should never be overlooked for yourself or your parents. This solution is available on its own, or through a critical illness policy with some companies. 

An insurance quote takes 2 minutes, placing insurance takes an hour, preparing for the unknown... priceless.

We can give you a quote over the phone, through an email or in person. We just need to know your birthday, sex, smoking status and an amount you are looking for. Our goal is to get you the best solution for the best price.