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8 stouffviue suntribune b thursday feb 15 2007 insurance that could save your life not because youre going to die but because youre going to survive- dr marius barnard physician that developed the concept of critical illness insurance being diagnosed with a crit ical illness is a jarring life event recovering from one can be a personal triumph but a financial disaster recent reports of individuals whose medical costs were not covered through provincial or personal medical insurance plans have caused many to wonder about their financial affairs in the event of a serious illness unlike traditional life insur ance that pays a lump sum at the time of death critical ill ness gi insurance pays a lump sum benefit upon the diagnosis of a critical illness such as cancer heart attack or a stroke it was designed to help meet the high costs associated with serious illness and to help you maintain your lifestyle during and after recovery ci insurance originated in 1983 when a south african physician approached the insurance industry to create a product that would help take care of his patients financial issues so that they could con centrate on the most important thing getting better upon diagnosis of a critical illness there is a brief waiting period often as little as 30 days once this expires the policy pays out a lump sum cash benefit the choice of how to use the benefit is yours arid it is taxfree some of the most popular choices include taking advantage of special treatments alternative thera pies or immediate surgery that may only be available in other countries such as the us modifying your home or vehicle to meet any mobility requirements as a result of the illness allowing a spouse or family member to take a leave of absence from work reducing overall financial stress surprisingly inexpensive many ci plans also have a fea ture that can allow you t6 recover all of the premiums youve paid having a critical illness insurance plan can ensure that if you do fall ill your medical concerns will not be compounded by financial ones chris karram is a financial consultant with safebridge financial group greg holohan is an investment executive with scotiamcleod chris and greg spe cialize in unique investment insur ance and retirement strategies and have financial for many in the reached at 4164665858 or chrissafebridgefinancialcom and greg can be reached at 9054798238 or f gregjiolo hanscotiamcleodcom scoti amcleod is a division of scotia capital inc member cipe nothecauseyouregoingto die but because youre going to survive dr marius barnard physi cian that developed the con cept of critical illness insurance provided solutions families markhamstouffville area chris can be tax time a special tax investment page published weekly in the stouffviue sun- tribune contact your sales repre sentative for more details ready to find money whereyou least expect it the tradespersons tools expenses credit is just one of the changes to the canadian tax laws that you should know about weve been helping canadians maximize their tax refunds for dyer 40 years please call or come by today reuniting canadians with their money hr block 6188 main st stouffviue ont 9056422927 710 monthh income rate guaranteed for life capital secured call today for more information greg holohan investment executive 9054798238 675 cochrane dr suite 115 markham on l3r 0b8 safebridge financial croup uoattact ikfuftamcc fvctuct returns will differ depending on age sex tax bracket health smoking status and prevaping interest rates when discussing life insurance products scotiamcleod advisors are acting as life underwriters representing scotiamcleod financial services ontario inc scotiamcleod financial services ontario inc is an insurance subsidiary of scotia capital inc a member of the scotiabank group for the purposes of the ad insurance products will be sold through scotiamcleod financial services ontario inc andor safebridge financial group trademark used under authorization and control of the bank of nova scotia scotiamcleod is a division of scotia capital inc member cipf u v isbm mmgmsmm gif select ncomepius whats new and turnmg retirement thinking on its head 6402612 suntnbune efile tax returns from zero to refund in 10 da lynn broughton ldb business services 16 ringwood drive unit 25 stouffyhle can 9056401 146 or fax 905-640- 11 56 i i i ii yy confidential professional income tax service committed to reducing the income taxes that you pay gif select featuring incomeplus f rom manulife investments the first investment solution of its kind in canada incomeplus can provide you with predictable income guaranteed not to decrease no matter how investments perform sustainable income to last at least until the principal is completely repaid potentially increasing income with bonuses and the opportunity to lock in market gains 0r until the contract reaches maturity or upon the death of the last surviving annuitant provided withdrawal thresholds are not exceeded ask me about incomeplus from manulife investments for more information please contact hugh w dodd bcomm cfp investments insurance stouffviue ontario phone 905 6409034 fax 805 6409035 toll free 18002992242 email hdoddsympaticoca the manufacturers life insurance company is the sole issuer and guarantor of the manulife gif select contract gif select manulife and the block design are registered servjce marks and trademarks of the manufacturers life insurance company and are used by it and its affiliates including manulife financial corporation ed manulife investments with you every step of the way