Individual insurance programs are comprised of financial and risk management elements aimed at preserving the integrity of our clients assets by providing them with the means to maintain their family's lifestyle under times of confusion and duress that will result from a disability; a diagnosis of a critical illness; loss of an ability to perform normal activities of daily living or from cognitive impairment; in the event of a premature death and ultimately in their retirement. Our extensive network of tax and estate planning professionals ensure that proper integrated planning is set in place to guarantee our client’s confidence in their overall financial plan.

When working with a Business Owner we provide resources to help in such areas as financing growth, mergers and acquisitions. We also can work with you on the sale of your company or in the succession planning that you want to put in place.

At The Living Benefits Group we understand the importance of sound Tax and Estate Planning to properly meet your needs. Whether you:

• Simply want to retire and make certain that you will have a steady income for the rest of your life. 
• Have a more complex estate with a vacation property and/or a business that needs to be considered. 
• Want to leave some or all of your estate to the charity of your choice.

Our specialized professionals will work with you to help coordinate your team of advisors in understanding your wishes and needs, so that the plan for your financial affairs is implemented in the way that works best for you.

Financial Planning provides a roadmap to aid in securing your financial future. The Living Benefits Group will help you with risk management as well as, your needs for mortgages, short-term and long-term savings and investment plans, RSP's or Pension Plans. We have professional advisors that will work with you to establish a business continuation plan or succession plans.

Executive Compensation programs attract, motivate and retain qualified talent to lead their company and maximize long-term value. As independent consultants, our customized program for creative solutions that enhance employee benefit and pension programs to better meet the unique needs of key employees, executives and senior management.

Buy-Sell Plus is a great complement to a business buy-out agreement. It offers flexibility and choice in how to fund the purchase of a disabled owner's share of the business.

Buy-Sell Plus business buy-out coverage is ideal for owners of small, closely held businesses (generally two to five owners) who own at least 10% of the business and who work full-time for the business.

For more information on this product, please contact us.

Buy-Sell Plus is sold by, and is a trademark of Manulife Financial (The Manufacturers Life Insurance Company).

At The Living Benefits Group, we are dedicated to finding creative solutions to the ever increasing costs associated with disabilities. With over 65 years of combined experience, specializing in the field of disability income protection, we bring a unique set of skills, knowledge and understanding to this often overlooked area of concern. Our professional consultants are constantly developing new solutions to make the delivery of the Short and Long Term Disability and Workplace Safety & Insurance Board issues more consistent, streamlined, efficient and cost effective.

Our Integrated Disability Solutions (IDS) program will provide you with:

• Improved quality of the disability related benefits 
• Reduced and stabilized insurance costs 
• Unique controls for the employer on claims administration 
• Combine the competing forces of traditional insurance providers and non-traditional claims management companies into a cost effective and seamless delivery system 
• Consistency across all lines of disability, both occupational and non-occupational

Our emphasis on the employee’s ‘ability’ to work, rather than on how their ‘disability’ prevents them from working is at the core of our program. As a result, our corporate clients have experienced significant reductions in lost time durations and when coupled with a unique set of tools and services that we have developed, we allow an employer to more effectively insure the employee’s loss of time claim.

Each solution we develop is customized for the individual employer’s needs, while always keeping in mind the underlying corporate philosophy of our clients as the primary guiding principle.

As a Business Owner, you are responsible not only for the success of your business but also for the welfare of many people. Whether you run the business from your home, an office, factory or warehouse; from a single site or multiple sites; locally or internationally, our team of professionals will help develop a properly designed Employee Benefits and Group Retirement Service Program that will:

• Protect your workforce from escalating health care and dental costs, disabilities and critical illnesses as well as, an untimely death. 
• Provide for their safe and secure retirement. 
• Coordinate your benefits programs in all international locations in the most cost effective manner, while ensuring that all locations are compliant with local and Federal tax requirements. 
• Help bridge an important gap if one of your Key Employees dies or becomes disabled. 
• Offer innovative ways to compensate your most valuable team members with unique services, such as rapid access to the American medical system that bypasses the waiting period we experience for many medical tests and procedures here at home.