We help families and businesses protect what matters most.
We work with you, and within your resources, to protect what matters most. Our Mission There are things you need, and there are things you want. We have urgent obligations such as food, mortgage, and bills. We are bombarded by advertising that tells us what we "should desire" or "need to have". Desire based spending eats up our resources, often before we have really thought about what is important to us, and allocated money to those areas. We strive to reverse this pattern by first establishing what is truly important to you, then guide spending habits towards what matters most.
33 FB users likes Elston Insurance, set it to 40 position in Likes Rating for Surrey, British Columbia in Bank/financial services category
Employee Benefits We work with HUB International to provide a specialty Employee Benefits Consulting practice “HUB Financial – Employee Benefits Solutions”. HUB - EBS provides enhanced products arranged for HUB International small and large business clients. HUB – EBS provides tailored service to meet the specific needs of your small business, simplifying the administration of your benefits plan. Our goal is to ensure your benefit plan dollars are being spent in the most effective way possible. We offer a full range of coverage: Basic Life, Optional Life & Dependent Life Insurance Accidental Death & Dismemberment Long and Short Term Disability Extended Health Care, Prescription Drugs, Vision, Travel and Dental Critical Illness Insurance Best Doctors MyCare Expert Diagnosis & Treatment Options Employee Assistance Programs (EAP) Health Spending Account (HSA) Flex Spending Account (FSA) Discounted Voluntary Benefits
Check out these numbers - My client's cost for $395,000 of mortgage life insurance from the bank - $943.80 per year. (He's 38, rates vary) I can get them a rate of $294.00 per year, for $400,000 coverage. Or a $575 annual payment for $1,000,000. And apart from bank mortgage insurance being very pricey, there are many other negatives: 1. With the banks, your rates stay the same, even though the amount of coverage drops as you continue to pay down your mortgage. 2. The bank does all the underwriting after you die, so if you answered any of the questions on their form incorrectly, it is possible they may deny your claim. With regular life insurance, the medicals and underwriting are done before the insurance is issued, so you can rest easy knowing it will pay out. 3. The bank is the beneficiary of their mortgage insurance. With life insurance through a broker, you name the beneficiary, and they are free to do what they want with the money.