FINAL EXPENSE INSURANCE
By pre-planning your funeral arrangements, you go through the process of documenting your funeral and cemetery wishes ahead of time so that your loved ones won’t have to face making these difficult decisions for you.
Your family will also be free of pressure created by the time constraints, which exists at the time of a death.  Pre-planning is truly one of the greatest gifts you can give to those you love.

Pre-arranging allows you to consider your site of choice, the committal service, and the type of permanent memorial. By making some or all of these decisions now, your family, will also benefit financially. We document the following:

• Your funeral and cemetery wishes
• How much you would have wanted them to spend…
• Where to turn for help…
• Where to locate important documents

There are many advantages when you take care of your final arrangements in advance.  The most obvious benefit is financial, but there are a number of emotional benefits, too.  When you make arrangements in advance, you have a better opportunity to make informed choices.  If you decide to prepay, you guarantee today’s prices, and can take advantage of affordable payment plans.

What if the cost of the services/products I have pre-paid is greatly increased at the time of my death?

Once you prepay for your pre-arrangements, the terms both parties agree to will be permanently in effect.

Makes funeral pre-arranging:

• More comfortable for you with in-home consultation
• Easier for you with one-stop shopping
• More objective for you without any pressure
• More cost effective for you with flexible pre-payment plans

WILLS and POWER of ATTORNEY

It is advisable that everyone should have a will, and appoint an executor in order to have control over the distribution of his or her property.  When you start your plan, there’s a lot to think about.  You want to live your life to the fullest, and ensure that your heirs will get the most out of the assets you’re setting aside for them.

There are three basic documents that form the foundation of an Estate Plan: a Will, an Enduring Power of Attorney,  and a Personal Directive.

The cornerstone of estate planning is the Will.  A living will sets out directives concerning end of life decisions, whereas a durable power of attorney gives all medical decision making authority to an appointed individual upon incapacity, including end of life decisions. Some people have both a living will and a health care power of attorney.   Specific final arrangements, such as whether to be buried or cremated, are also often part of the documents..

Next week, we will spend more time talking about the Will and how it can make a significant difference in your estate plan.

  It is also advisable that a qualified person be appointed as Power of Attorney who is not necessarily your executor. This appointment gives that person the right to make decisions on your behalf should you become incompetent. Remember that having a will and appointing a Power of Attorney is an expression of concern for the well being of those you love.

We’re Independently Owned and Operated

Burnett Management Solutions will offer you…

• -Clear comparisons of funeral home offerings
• -Unbiased information and advice that has only your best interests in mind
• -The simple facts about which funeral products and services are legally required, and which are optional

SENIORS LIFE INSURANCE

There are only 2 basic types of policies: permanent (whole life) and term (temporary). Simply put, permanent coverage remains in effect forthe lifetime of the insured, while term coverage expires after a set number of years (eg. 10 or 20 years) or to a certain age (eg. to age 75 or 85 or 100). Generally, term insurance premiums are lower.

The tax-free proceeds from a life insurance policy can be used to pay off: debts, final expenses, mortgages or to leave money to your loved ones.  Protect your family with much needed cash when they need it most.

We offer a broad range of life insurance plans for coverages up to $5,000,000.

Life Insurance For Seniors:

Many leading  Canadian Insurance providers will not consider you for coverage over age 65 years old.  We can   get you covered up to 90 years of age.  Our trained specialists have access to
Canadian Largest network of specialty products to provide you with options that you were told never existed.  Don’t take a decline as the final answer.  Call Burnett Management Solutions at 1-866-365-1837 for a free consultation.

There are no obligations and the quote is free.

SMOKERS GET the SAME RATE as NON-SMOKERS
One in five Canadians are current smokers.   A further One  in three  Canadian smokers intend to  quit.

We`ve developed a life insurance policy that allows you to pay non-smoker rates  immediately for 24 months.  Whether you quit or not, you will have 24 months of substantially reduced premiums.

With this policy…..

• Smokers pay the same as non-smokers for 2 years.
• Save Thousands! – Lowest price in Canada for our
  smokers product.
• Easy to qualify for permanent non-smoker rates.

At the end of 24 months, if you have stopped smoking for at least 12 continuous months, then your premiums will continue for the life of the policy at the non-smoker rate.  Smokers pay the same as non-smokers for 2 years.

INCOME REPLACEMENT
Disability Insurance , often called Disability Income Insurance, insures the beneficiary’s earned income against the risk that disability will make working (and therefore earning) impossible.  It does not matter if you were denied Life Insurance.

It includes paid sick leave, short-term disability benefits, and long-term disability benefits.

Accidents and illnesses can happen at any time, how would you and your family cope if you were unable to earn your income.

Reasons to get Disability Insurance:

• Inability to maintain sufficient income for yourself and your family
• Prescription costs as well as extra medical and other care may take more money out of your pocket
• As disabled, you are eligible to receive some government benefits, but they are very limited
• Group plan coverage won’t match your current income, as they mostly cover only 50% to 60% of your net income

	Insurance solutions to suit every need
	Experienced agents across Canada
	Fast, no obligation quotes

	No medical insurance plans
	Get coverage at any Age
	Fast, no obligation quotes

VACATIONING with PEACE of  MIND
When you Travel – travel with the comfort of knowing that you are covered should something go wrong!  Your coverage will …..
(1)  Provide a wide range of Travel Insurance plans at very competitive rates. In many cases, our premiums are among the lowest in the country. It is very important for all Canadians traveling
abroad to have sufficient coverage for unexpected medical emergencies.

(2)   In addition, many travellers purchase coverage in case of a trip cancellation or baggage loss. Whatever your travel insurance needs are, you’ll find that we have the right coverage for you and your loved ones

(3)  Travel Plan will provide assistance in the event that you die more than 100 kilometers from your legal residence (defined as your permanent place of residence for tax purposes.) or outside your country of legal residence (foreign country).  In the event of a death while travelling on a covered trip, benefits will be paid up to a maximum of $100,000 for the return of mortal remains to the receiving funeral home.

Health and Dental Insurance

Health and dental insurance and Hospital Cash insurance can shelter your family from sudden large expenditures. One can never foresee an injury or illness and the proceeds from a critical illness policy can help to cover expenses if you are unable to work. Whether you’re looking for:

• Flexible health and dental coverage (including prescription drugs)
• Critical illness insurance including no medical critical illness
• Hospital cash plan that provides money if you’re hospitalized

SnowBirds Insurance ( Travel Insurance)

Many Canadian retirees take off south during the winter months, however if snowbirds elect to forgo getting insurance for the duration of their stay – it can prove to be a costly decision.  Ask  one of my new customers’ snowbird Una S of Whitby who winters in Florida annually.  Two years ago she had a medical emergency on her flight to Fort Lauderdale and after a very brief stint in hospital she was over ten thousand dollars ($10,000) in the whole.  She vows never to leave home without her snowbird insurance again!

For this winter 2012  trip Una was introduced to Burnett Management Solutions  as a last resort.  She and her daughter had been shopping around for Snowbird / Travel Insurance for over 3 months  without success. When she was finally  referred to Burnett Management Solutions by a current client, she was frustrated and at her wits end.  Una was scheduled to leave for Florida in 3 days but still had not secured her Snowbirds Insurance, she did not want a repeat of her previous un-insured trip and she was really in a panic.

In keeping with our motto “providing solutions when others can’t” we were able to find coverage from November 2011 to May 2012 for close to half of what she was quoted by many providers.  In Una’s own words, “how come you can beat those Big companies with your quote – I’m calling you every year.” 

That’s what we specialize in Una.  Enjoy your trip – We are glad to help!

Are you Planning a trip abroad?  Do you spend your winter months in the sunny climes?  If you answer yes call us before you leave.  Don’t learn the hard way like Una S did.

Contact us today!

NEW TO CANADA?
If you are  new to the country and looking for life insurance products from Canada’s major providers – you are probably hitting a wall.  Our trained specialists have access to
Canadian Largest network of specialty products to provide you with options that you were told never existed.  Don’t take a decline as the final answer.  

Call Burnett Management Solutions  at 1-866-365-1837 for a free consultation.

There is no obligation and the quote is free!

Contact Dahlia instead at -info@burnettmanagementsolutions.ca

WHY SHOULD YOU CONSIDER NO MEDICAL INSURANCE?
The insurance coverage you need without a medical exam just by answering a few questions on the application.  No medical means you could have your policy in days instead of weeks or months. We offer no medical plans with competitive premiums in whole life, term life and critical illness, as always, the death benefits are tax-free.

These plans are the least expensive of the No Medical coverages and are available for ages 20 to 90.   We can provide coverage for you if you fall in the following categories.

• You have a pre-existing condition
• You’ve been turned down for insurance before
• You hard to insure
• You’re overweight
• You suffered a stoke
• You suffered a heart attack
• You smoke
• You have diabetes.
• You have high blood pressure
• You don’t like needles or medical exams

No medical exam life insurance allows to get coverage without medical exams and needles and no medical reports will be requested.

For more information on No Medical Exam life insurance or to get a free quote please complete a short enquiry form and we will be happy to assist you.

PLEASE  CALL 1-866-365-1837