1700 Langstaff Road,
Suite 1001, Concord,
ON, L4K 3S3

Please contact me if you'd like to meet & discuss your financial goals and needs.

416 849 2931

416 454 5142

Life insurance

Having the right life insurance protection can make a big difference to your life and the lives of those closest to you. Life insurance can be used to help protect the people and things you love. It can mean the difference between leaving your estate financially secure and leaving behind debts and an inadequate income.

If you're unsure, I can help you determine which type of life insurance may meet your short-term and long-term needs and preferences for flexibility and risk.

Types of life insurance

Term life insurance

Term life insurance generally provides the most coverage for the lowest initial cost.

Permanent life insurance

Permanent life insurance protects you for your lifetime by providing a death benefit. It also has the added benefit of building cash value that you can draw on later. There are two types of permanent life insurance: participating life insurance and universal life insurance.

Participating life insurance

Participating life insurance (or whole life insurance) provides permanent life insurance protection with a tax-advantaged cash value component. Participating insurance doesn't require hands-on management by the policyowner. Instead, professional investment managers manage the assets of the participating account which back the cash value.

Universal life insurance

Universal life insurance provides a traditional life insurance component with a tax-advantaged investment component. You select an investment mix that is as individual as you aretaking into account your financial goals and circumstances and the amount of investment risk with which you're comfortable. This type of policy is attractive for people who want to actively manage their life insurance policy.

Charitable giving

If charitable giving is an important part of your financial strategy, I can work with you to ensure the funding of your favorite charitable organizations is considered in your estate plan.

Do you know

what you need to be saving &
earning to retire comfortably?

Read More

Investing and Protection

what your needs are before you need it?

Read More

Latest News

When is the last time you reviewed your Financial Plans?

Posted by Miles Rubinoff on 11 May 2016
When is the last time you reviewed your Financial Plans?
  When was the last time you reviewed your Financial Plans, Insurance bought years ago, Investments old and new money. If you don&...
Posted in: Insurance  

"Finding Money Through Cash Flow Analysis".

Posted by Miles Rubinoff on 10 May 2016
"Finding Money Through Cash Flow Analysis".
Working with clients it is easy to learn the wishes they have but often times the money has not been available to fund their wishes right away. Usi...
Posted in: Insurance  

Do you have the right coverage you need?

Posted by Miles Rubinoff on 5 April 2016
Do you have the right coverage you need?
Do you know what coverage you have and when you last reviewed it? Do you know what coverage you need and the various types to cover you, bef...
Posted in: Insurance  
< Previous | 1 | 2 | Next >

Facebook Feed

Miles Rubinoff, CLU

Please contact me if you'd like to meet
& discuss your financial goals and needs.

1700 Langstaff Road, Suite 1001
Concord, ON
L4K 3S3

Phone: 416 849 2931

Cell: 416 454 5142

Brash Associations

Bookmark SiteTell a FriendPrint