At Hunjan Financial Group we pride ourself in offering high-quality insurance products and financial services which are provided by our qualified brokers and financial planners who possess core risk management expertise. 

 

We are consistently rated amongst the top tier enterprises and our flexibility and confidence in our company's business model allows us to sustain advantages throughout business cycles and the changing market factors.

 

At HFG we take a responsible longterm approach model to maximize all of our business returns. 

 

We offer a balanced and customizable approach to asset and risk management thus our focus is on helping our clients to make well-informed decisions which will allow them to prosper and protect and grow their savings and investments throughout their lives.

 

Hunjan Financial Group - helping you to reach your financial goals while protecting your assets and investments with sound management.

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There is a large diversity of investment products available in the market. Choosing where to invest your hard earned money can be a daunting task. There are many considerations that must be taken into account when structuring your investment portfolio such as taxation, registration type and estate planning needs.

 

Our Investment Planning Process identifies:

- The savings goal associated with each investment portfolio

- The time horizon associated with each particular investment/savings goal.

- The amount of risk you are comfortable assuming within each identified investment goal.

 

This approach to investment selection helps to avoid Emotional decision making and ensures realistic expectations are set at the outset of the engagement. Furthermore it allows us to track our progress with regards to the attainment of our identified goals as well as adjust our strategy should there an unexpected change arise.

 

Consider:

1) Meet with an Advisor to identify your savings goals

2) Get a second opinion on your current investment portfolio

3) Integrate your savings goals into your personal financial plan

 


 

Segregated funds are investment products similar to mutual fundswhich are offered by life insurance companies,though they have not had as much popular exposure in the industry as they were introduced to the marketplace just over fifty years ago.

 

These funds have an 'in-built' guarantee which insures your capital, they containa diversified selection of investments and are available in a variety of sizes and asset mixes. Segregated funds are managed by qualified HFG professionals and they hav ea great potential for capital growth and investment returns.

 

What's more, these funds are protected by law and are thereby required to provide added protection to their investment products by the insurance company. Unlike mutual funds, segregated fund policies protect most, if not all of the initial investment, guaranteeing it at maturity or in the event of death. This protection ranges from 75%-100% guarantee on your capital investment depending on the specific segregated fund selected.

 

For example, if you were to make a capital investment of $50,000 into a 15 year segregated fund policy with 100% maturity and death benefit guarantee, at maturity, you would receive your initial investment plus any investment gains. Even in the event that the value of the segregated fund had fallen below the $50,000 at maturity, the full $50,000 is fully protected.

 

In addition to these protections, Segregated funds offer additional benefits when purchased through an insurance company such as (i) the ability to bypass probate and (ii) potential creditor protection. Another additional benefit present in some segregated funds is the ability to periodically 'lock in' or reset the protection on principal when the market value has increased above the initial investment or last reset value (whichever is higher).

 

 

Annuities are a convenient and straightfoward option for retirement income. By making simple payments a stream of annuity payments are provided by HFG, they are made up of interest and principal ammounts which are based on your age (and possibly your spouse's age) , current interest rates, the duration of time for which the payments are guaranteed and the ammount of money used to purchase the annuity.

 

The chief benefit of annuity life income options is that they provide a steady stream of retirement income from your pension funds which is reinforced by the security that you will never outlive your money, what's more, you can rest assured that under this option, HFG will manage your money in such a way that market fluctuations shall have no bearing upon your investment.

 

Thus you can relax while we manage your money as your income payments under this option are guaranteed by HFG regardless of the wanton nature of economic flux, HFG will manage the money used to purchase your annuity so that you are not unnecessarily burdened by any investment decisions or concerns.

 

For registered funds, Your annuity payments will be taxed as income in the year that they are received, for non-registered funds the tax treatment is such that only a portion of each payment is taxed each year.

 

Within this option, there are three branches:

(i) Life Annuities - this stream provides you with income payments for as long as you live

(ii) Joint and Last Survivor Annuities - A joint life and last survivor annuity provides income payments as long as either you or your spouse is living.

(iii) Annuity Certain - An annuity certain provides you with a pre-determined number of income payments.

 

 

 

 

 

A Registered Retirement Savings Plan (RRSP) is a personal savings plan registered with the Canadian federal government allowing you to save for the future on a tax-sheltered basis.An RRSP is an investment portfolio - your designated retirement savings. It can contain a variety of investments including: RRSP savings deposits, treasury bills, guaranteed investment certificates (GICs), mutual funds, bonds, and even equities.

 

What makes an RRSP special is that your contributions to it are tax deductible and your portfolio grows tax sheltered. If you are under 72 years of age and earn income, we encourage you to take advantage of the benefits an RRSP can offer.

 

Who Should Have an RRSP?Every individual who works, files a Canadian income tax return, and looks forward to secure retirement should consider having an RRSP.

 

Here's why: People who earn income through their employment or self-employment, can reduce their annual tax bill while saving for their future through an RRSP.

 

For people who have a company pension plan, RRSPs add extra comfort that their retirement needs are met; for those that don't have company pension plans, RRSPs may be the foundation for funding their retirement.

 

Married couples where one spouse earns more income than the other can reduce their combined tax burden through a spousal RRSP. At retirement, an income-splitting strategy can be applied to reduce overall tax when the funds are withdrawn.

 

If you are planning on purchasing your first home or are interested in continuing your education, you can contribute to your RRSP, then use these funds as a source of financing.If you anticipate fluctuations in your income because of maternity leave, career change or employment interruptions, the funds in an RRSP are always available to you.

 

What Are the Benefits of RRSPs?While designed specifically as a retirement vehicle, an RRSP has benefits throughout your lifetime. By contributing to an RRSP throughout your working career, you'll realize immediate tax benefits at a time when your income is generally highest. The total amount of your annual contribution can be deducted from your gross income at tax time, reducing the amount you pay in income tax that year.

 

The income earned in your RRSP is not taxed until it is withdrawn. While your investments sit in your RRSP, their growth is tax sheltered and so the total value may grow more quickly.By the time you begin to withdraw the funds at retirement, you will probably be in a lower tax bracket than during your earning years.

 

Funds withdrawn at that time will benefit from this lower tax rate.Special features of RRSPs allow you to do further tax planning or use your RRSP to fund specific life events.

TFSA

Basic notions:

 

The TFSA is a registered savings plan that allows you to:

 

- save for important projects- cover unexpected expenses (rainy day fund)- shelter your savings from taxes

- get tax-free investment income

- make tax-free withdrawals- make non-deductible contributions

- access your funds for any reason with no fees

 

Contribution rules:

 

To open a TFSA, you must meet the    

  following conditions:

- have a social insurance number- be 18 years of age or over

- be a resident of Canada

- Maximum annual contribution of $5,000 since 2009 (plus indexation if applicable)

- Annual contribution limits are cumulative, along with withdrawals made from your TFSA over previous years. For more information on contribution limits

A GIC is an ideal way to make your money grow and protect your investment. You never have to worry about losing money, and you receive competitive investment returns. GIC BenefitsSafetyThe money you invest in a GIC is safe. You’ll receive 100% of your principal when the investment comes due.

 

And, in most cases, you’ll earn a guaranteed return. Your GIC investments may also be eligible for Canada Deposit Insurance Corporation (CDIC) protection.StabilityGICs add stability to your investment portfolio. Diversifying through GICs can help offset the ups and downs of the stock market and other investments.

 

This can help reduce overall portfolio risk.LiquidityInvesting in cashable GICs means your money earns competitive returns while remaining available when you want it. Many GICs allow you to cash in all or part of your investment.Steady IncomeNeed regular income? GICs can provide a steady, predictable income stream from interest earned on your investments.

BMO term investments offer a variety of interest payment options, including monthly, quarterly, semi-annually and annually.Range of ChoicesThe flexibility of GICs can help meet any investment objective, no matter what your time horizon.

 

Choose from terms ranging up to 10 years. Invest in a conventional GIC that pays guaranteed interest or take advantage of GICs linked to financial market performance that can offer enhanced returns.

GIC

 
 
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RESP

RESP FAQ

An RESP is a special account to help people save for education after high school. The money earned in an RESP isn’t taxed until it is withdrawn. You can open an RESP for a child, yourself or another adult. This person is called your “beneficiary”.

 

Making contributionsThe lifetime contribution limit for each beneficiary is $50,000. If you contribute more than this, you may have to pay a tax on the excess amount. Unlike Registered Retirement SavingsPlans (RRSPs), you can’t deduct RESP contributions from your taxes. The number of years you can contribute depends on the plan, but it is usually between 18 and 22 years. Receiving paymentsOnce your beneficiary is enrolled in a qualifying educational program, they can start receivingpayments from the plan.

 

These payments are taxable in the student’s hands. Since moststudents have little or no other income, they will likely pay little or no tax. If your beneficiary does not go on to education after high school, You have a few options. Your plan may allow you to choose another beneficiary. In some cases, you can transfer the earnings to your RRSP. Or, you may be able to withdraw the earnings in cash, but you’ll have to pay tax on them. Youhave to return any grants to the government, unless you have a family RESP.

Why should I open a Registered Education Savings Plan (RESP)?

Because the Government of Canada will help you save money if you open an RESP account through the Canada Education Savings Grant and the Canada Learning Bond. They are only available for your child if you open an RESP.

 

When should I open an RESP?

Now! Start early—your savings can grow surprisingly quickly.

 

Who can open an RESP?

Anyone can open an RESP account for a child—parents, guardians, grandparents, other relatives or friends.

 

Where can I open an RESP?

At most financial institutions (such as banks and credit unions) or with a group plan dealer or certified financial planner.

 

What do I need to do to open an RESP?

Get a Social Insurance Number (SIN). o You must have one for your child to open the RESP. o There's no fee. However, certain documents, such as a birth certificate or permanent resident card, are required.

 

Do I need to deposit a minimum amount of money into an RESP?

It depends. Some types of RESPs have no minimum deposit requirements, while others do. The Government of Canada will still add to your savings, no matter how little you put into your child's RESP account.

 

Do I need to have a bank account to open an RESP?

No. You can open an RESP without having a bank account.

 

How much can I put into an RESP?

Up to $50,000 for each child (named in one or more RESPs). Although there are no annual limits on contributions made to an RESP, the Canada Education Savings Grant will only be paid on the first $2,500 of contributions made every year. If the child has accumulated grant room, then the Canada Education Savings Grant will be paid on the first $5,000 of contributions made per year. For more information on accumulated grant room, please vist the Frequently Asked Questions section of the Canada Education Savings Grant.

 

How often do I have to put money into an RESP?

Every RESP is different. o Some types require specific monthly contributions. Others let you put money into your RESP account whenever you want.The sooner you start to save, the sooner you'll be earning interest, and the more your money will grow. Even savings of $5 a week can quickly add up, especially when the Government of Canada adds money to your savings.

 

Can I open an RESP for myself?

Yes. o You can open an RESP at any age. While you can open a plan for a child, you can also name yourself or another adult as the definition of beneficiary. o Please note that all children up to the age of 17 are entitled to the Canada Education Savings Grant.An RESP allows adults to earn interest on their registered education savings plan tax-free.How is an RESP taxed (assuming the child continues education after high school) o Your money grows tax-free while it is in your RESP. o You don't get a tax deduction for the money you put into an RESP. o The money that your investment earns while it is in the RESP won't be taxed until money is taken out to pay for your child's education. o Money paid out of the RESP as an Educational Assistance Payment is taxed in the hands of the student. Since many students have little or no other income, they can usually withdraw the money tax-free. o The money that you have put in the RESP is returned to you, tax-free.

 

How is an RESP taxed if a child decides not to continue education after high school?

You will not be taxed on the amount you contributed to the RESP, but you will have to pay taxes on the money that you earned in your plan as interest. This money is called "accumulated income". It will be taxed at your regular income tax level, plus an additional 20 percent. o The money that you have put into the RESP is returned to you. o The Canada Education Savings Grant can be shared with a brother or sister if they have grant room available—otherwise, the grant must be returned to the Government of Canada. o When you close your RESP, you will have to pay tax on the earnings in the RESP. (Although there will be earnings on the Canada Education Savings Grant, the grant must be returned to the Government of Canada.) You may be able to reduce the taxes you have to pay by transferring your accumulated income to either your or your spouse's Registered Retirement Savings Plan. For more information, see the Accumulated Income Payments section of the Canada Revenue Agency's Web site. o Talk to your RESP provider to find out about any conditions that may apply to the plan if your child does not continue his or her education after high school.Can more than one RESP be opened for a child?Yes. A child can be named as the definition of beneficiary of more than one RESP account. However, you should be aware of the following information. o There is a lifetime limit of $50,000 that can be contributed for each child. o Be sure to find out if anyone else is making contributions to a plan for that child so that you don't go over any limits when you decide how much money to put into an RESP.

Annuities

Annuities are a convenient and straightfoward option for retirement income. By making simple payments a stream of annuity payments are provided by HFG, they are made up of interest and principal ammounts which are based on your age (and possibly your spouse's age) , current interest rates, the duration of time for which the payments are guaranteed and the ammount of money used to purchase the annuity.

 

The chief benefit of annuity life income options is that they provide a steady stream of retirement income from your pension funds which is reinforced by the security that you will never outlive your money, what's more, you can rest assured that under this option, HFG will manage your money in such a way that market fluctuations shall have no bearing upon your investment.

 

Thus you can relax while we manage your money as your income payments under this option are guaranteed by HFG regardless of the wanton nature of economic flux, HFG will manage the money used to purchase your annuity so that you are not unnecessarily burdened by any investment decisions or concerns.

 

For registered funds, Your annuity payments will be taxed as income in the year that they are received, for non-registered funds the tax treatment is such that only a portion of each payment is taxed each year.

 

Within this option, there are three branches:

(i) Life Annuities - this stream provides you with income payments for as long as you live

(ii) Joint and Last Survivor Annuities - A joint life and last survivor annuity provides income payments as long as either you or your spouse is living.

(iii) Annuity Certain - An annuity certain provides you with a pre-determined number of income payments.

CESG

What is the Basic CESG?

Basic CESG is a payment of 20% on RESP contributions made in respect of an eligible beneficiary, up until the end of the calendar year in which the beneficiary turns 17.Over 3 million children have already received the Canada Education Savings Grant. Register your child today!

 

What is the Additional CESG?The Additional Canada Education Savings Grant (A-CESG) is extra money from the Government of Canada available to help you save for your child's education after high school. This grant is in addition to the basic Canada Education Grant that you may already be receiving in your child's RESP.Additional CESG is a payment (over and above the Basic CESG amount) of either 10% or 20% on the first $500 or less of annual RESP contributions made on or after January 1, 2005, in respect of an eligible beneficiary, up until the end of the calendar year in which the beneficiary turns 17.The amount of money that your child can receive in additional grant depends on the net family income of the child's primary caregiver.

 

For example, in 2012*, on the first $500 that you put into your child's RESP each year, the Additional Canada Education Savings Grant could add:up to $100, if your net family income is $42,707 or lessup to $50, if your net family income is between $42,707 and $85,414*To find out net family income, primary caregivers can consult their:Canada Child Tax Benefit (CCTB) Notice of DeterminationGoods and Services tax Credit/harmonized Sales Tax Credit (GSTC/HSTC) notice of DeterminationNotice of

 

Assessment or Reassessment (if married or have a common-law partner add the two Net Incomes - Line 236). Primary caregivers who still wish to call the CRA to confirm their net income can call 1-800-959-8281. They will be asked a series of questions specific to their account before the CRA can disclose net family income and would be required to have such tax or benefit statements on hand during the call.

 

Therefore the above options are the preferred options to present to subscribers instead of telling them to call the CRA.Please note that the family income amounts are updated every year and that the example is based on 2012 income levels.Who can get the Canada Education Savings Grant?

All children up to age 17 are eligible, as long as they are Canadian residents and an RESP has been opened for them.Special rules apply if your child is between the ages of 15 and 17.

Canada Learning Board

What is it? Money from the Government of Canada to help you start saving early for your child's education after high school.Your child could get $500 NOW to help you start saving early for your child's education after high school, and an extra $100 each year up to age 15. That's up to $2,000 (plus interest) in bonds for your child's education.

 

And you don't have to put any of your own money into the RESP to get this bond.An extra $25 will be paid with the first $500 bond to help cover the cost of opening an RESP.The bond can be used to pay for full- or part-time studies in an apprenticeship program, a CEGEP, trade school, college or university.BrochureCheck out the Canada Learning Bond brochure, Get $500 for Your Child.

 

Who can get the bond?

Your child can get the $500 Canada Learning Bond plus an extra $100 per year up to age 15 if:- your child was born after December 31, 2003, and- you get the National Child Benefit Supplement as part of the Canada Child Tax Benefit, ---- - commonly known as "family allowance" or "baby bonus."

 

Bond gets RESP startedExtra dollars are always tight during winter for Lynne and her partner Daniel, who does seasonal construction work near Thompson, Manitoba. Sending their kids to college would be out of the question, they imagined.

 

Then Lynne's sister told them about money she had received through the Canada Learning Bond, even though she couldn't put any money into an RESP at the start. This is just the kind of help Lynne and Daniel needed.

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Term Life Insurance

Permanent Life Insurance

Mortgage Insurance vs. Term Insurance

Before you say yes to mortgage insurance, consider a product designed to protect you and your loved ones–not your lender. Get more for your money with Term insurance

 

When you’re approved for a mortgage, your lender will offer to sell you mortgage insurance. That may seem convenient, but...before you say yes to mortgage insurance, you should know that you have other options. Protecting your mortgage with an individually-owned term insurance plan offers you and your loved ones better guarantees and greater choice.

 

Quite simply, Term Insurance provides better value, more flexibility—and in most cases at a lower cost. Take a look at the differences between protecting your mortgage using individually owned Term Insurance vs. most lenders' mortgage insurance

Get more for your money with Term insurance

 

When you’re approved for a mortgage, your lender will offer to sell you mortgage insurance.

 

That may seem convenient, but...before you say yes to mortgage insurance, you should know that you have other options. Protecting your mortgage with an individually-owned term insurance plan offers you and your loved ones better guarantees and greater choice.

 

Quite simply, Term Insurance provides better value, more flexibility—and in most cases at a lower cost. Take a look at the differences between protecting your mortgage using individually owned Term Insurance vs. most lenders' mortgage insurance:

Travel Insurance

At HFG, because travel insurance is what we also offer, we're very focused on helping you enjoy a worry-free experience while travelling in Canada, the US or abroad.

 

At HFG, because travel insurance is what we also offer, we're very focused on helping you enjoy a worry-free experience while travelling in Canada, the US or abroad. Whether you're a Canadian resident, Visitor to Canada, International Student or Canadian Expatriate, we help protect you and your family from unexpected costs due to a medical emergency. Our flexible, affordable insurance plans provide up to $5 million in Hospital and medical coverage, plus a variety of other plans including multi-trip and extended stay coverage for flexible, customized protection. If an emergency arises while you're away from your home province, territory or country, you can rely on our dedicated, knowledgeable service and support team at any time - day or night - to help you get effective emergency medical care.

 

Visitors to Canada plan is ideal for fulfilling new Super Visa requirements. On December 1, 2011, the Canadian Government introduced a Super Visa that enables parents and grandparents of Canadian citizens and permanent residents to visit their family in Canada for up to two years without needing to renew their status.A key requirement is proof of private medical insurance from a Canadian insurance company that is valid for a minimum of one yearCovers health care, hospitalization and repatriation Provides a minimum coverage of $100,000Is valid for each entry to Canada and available for review by a port of entry officerWith Visitors to Canada plan, we at Hunjan Financial group offer affordable, flexible, convenient protection that meets the Super Visa requirements.,

Unfortunately accidents and illnesses are a fact of life, they can occur to anyone at any time causing physical and mental strain while also hampering one's earning power. In fact:-On average 1 in 3 people will be disabled at least once before the age of 65 -The average length of a disability period ranges from 90 days to 2.9 yearsIn light of this reality, disability insurance provides options and financial security by replacing a portion of your earnings should and accident or illness cause you to becomeill, disabled or unable to work or earn income. At HFG we offer both personal and business disability insurance packages which offer flexible solutions to help bridge the gap between income and expenses during a period of disability.

 

Whether you're an employee, professional or executive your HFG financial advisorcan tailor a specialized plan to help meet your personal needs with a focus on allowing you to maintain your current standard of living even in the event that you should become disabled and unable to work in the future.

 

For business owners we offer specialized plans with features that allow you to protect both your independence and profitability. You can choose from plans that reimburse certain business expenses, fund buy-and-sell agreements, or plans that help hire a replacement for disabled employees. Above all our HFG professionals will give the utmost attention to helping you to maintain the monthly business expenses that you need to cover to maintain profitability should you become disabled in the future.

Long Term Care

There is a real chance that at some point in your life you may need to enter a long term care facility or receive special medical care in your home. This type of care does not come cheap, and depending on the level of care you may want or need, the cost may not be paid by your government health plan. With the benefit that comes from long term care insurance, you may not have to withdraw from your savings, or fully rely on other sources of funding.Two types of protectionThere are 2 types of long term care insurance policies:One reimburses you for eligible expenses you receive on a given day, up to a pre-set maximum.The other type of long term care insurance is the income-style plan, which is more flexible. It offers income when you require care. You don't need to prove you had expenses.We at Hunjan Financial Group offer the income style plan. You can use the income benefit to cover any type of service, including care received from family members.DefinitionsLong term care may include:nursing carerehabilitation and therapypersonal care (help with activities of daily living like dressing, eating and bathing)homemaking services (meal preparation, cleaning, laundry)supervision by another personCare may be provided in the home, in the community (e.g. Adult Day Centres), or in a facility that provides long term care.

Mortgage Insurance vs. Term Insurance

Before you say yes to mortgage insurance, consider a product designed to protect you and your loved ones–not your lender.Get more for your money with Term insuranceWhen you’re approved for a mortgage, your lender will offer to sell you mortgage insurance. That may seem convenient, but...before you say yes to mortgage insurance, you should know that you have other options. Protecting your mortgage with an individually-owned term insurance plan offers you and your loved ones better guarantees and greater choice. Quite simply, Term Insurance provides better value, more flexibility—and in most cases at a lower cost. Take a look at the differences between protecting your mortgage using individually owned Term Insurance vs. most lenders' mortgage insurance:

Insurance Solutions

Life insurance is the bedrock of longterm financial security for your loved ones as it provides a protective shield against debts, while acting as a resourceful cushion offering continued support for the maintenance of a comfortable standard of living.

 

Our far-sighted brokers are well equipped to provide sound advice and all-encompassing coverage to ensure the financial stability of your loved ones in the case of contingency.In the case of premature death a Life insurance policy can be used to:

- Cover final expenses

- Provide a source of income for loved ones

- Clear any long-standing debts- Offer resources to maintain good quality of life

- Leave behind a charitable legacy

 

What’s more, some of our policies provide great benefits that can be utilized while you are still living such as:

- Building tax-advantaged savings which can be utilized for business opportunities

- Retirement-supplemented income packages to provide long term care for yourself or a loved one.If you are interested in acquiring a plan which is suited to provide high, short-term protection for a low initial cost,

 

 

Term Life Insurance is the answer to your needs.Term Life insurance is an affordable way to acquire the coverage that you need today if you already have a mortgage and other obligations.

 

Permanent life insurance can protect you for your lifetime. There are two types of permanent life insurance—participating life insurance and universal life insurance.

Permanent life insurance can protect you for your lifetime. It can build a tax-advantaged cash surrender value and provide a death benefit. What types of permanent life insurance can you buy?

 

Universal life insurance combines permanent life insurance protection with a tax-advantaged investment component. As cash value accumulates, you can use it to pay part or all of your insurance charges.

 

This stream of protection combines Permanent Life Insurance coverage with a tax-advantaged investment component, thus as cash value accumulates it can be utilized to pay part or all of your insurance charge.

 

And so while providing continued security and protection through its life insurance component, this policy can also provide you with an additional source of income for emergencies, retirement and estate planning requirements. It is also possible to customize solutions that change over time to match your evolving lifestyle, budgetary and savings objectives.Participating life insurance combines permanent life insurance protection with a tax-advantaged savings component. It can protect you for life, provided your premiums are paid when due.

 

Participating life insurance policies also have a potential to receive policyholder dividends. This alternative combines Permanent Life insurance protectionwith a tax-advantaged savings component. It offers lifetime coverage as long as premiums are paid on time. This policy package also has a potential to receive policyholder dividends.

 

This stream of protection offers premium flexibility, a choice of riders and benefits which can be added to the basic policy and core guarantees for basic coverage, premium and death benefits.A Critical Illness Insurance policy is a durable form of protection that can provide you with a lump sum payment should you be diagnosed with a covered critical illness dependent upon the survival period being satisfied.

 

At HFG we understand the physical hardship, emotional strain, familial suffering and financial impact that a critical illness brings in it’s devastating wake. That is why we have provided an all inclusiveprotection package which can cover lost income, private nursing care, out-of-country treatment or even mortgage payments. In fact you are completely free to spend this money in any way you wish, this payment is designed to help you get the care you needwhile maintaining financial stability so that you can focus on making a full recovery.

 

Unfortunately critical illnesses are very widespread in our modern society and they can happen to anyone, medical statistics tell us that in Canada:

- There are an estimated 70,000 heart attacks each year.

- An estimated 40, 000 to 50, 000 strokes occur.

- 3,075 Canadians are diagnosed with cancer every week.

 

Critical Illnesses

Typical covered conditions:

Alzheimer’s Disease

Aortic Surgery

Aplastic Anaemia

Bacterial Meningitis

Benign Brain Tumour

Blindness

Coma

Coronary Artery Bypass Surgery

Deafness

Heart Attack

Heart Valve Replacement

Kidney Failure

 

Life-Threatening Cancer

Loss of Limbs

Loss of Speech

Major Organ Transplant on Waiting List

Major Organ Transplant

Motor Neuron Disease

Multiple Sclerosis

Occupational HIV Infection

Paralysis

Parkinson’s Disease

Severe BurnsStroke

Disability Insurance

© Copyright Hunjan Financial Group Inc. 2018

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