Insurance

Disability Insurance
Life Insurance
Critical Illness Insurance
Travel Insurance
Mortgage Referral
Home and Auto Insurance
Non-Medical/Guaranteed Life Insurance
Long Term Care Insurance
Health and Dental Insurance

Disability Insurance

Disability Insurance

Let me ask you, What is your most valuable asset?

Is it your car?  No

Is it your House? No

Think about this. The average canadian earning $50,000 year will make approximately $2,000,000 in their working lifetime .  Disability insurance is here to protect the one thing that you can't. Your most valuable asset,the ability to earn a living!

The picture on the left  holds some very  familiar words to someone facing a long term disability. Not only are you facing a change in your physical lifestyle but your financial situation will be faced with new challenges. Gadula Financial Planning's "Survive in Style" program addresses this need so that your finances don't suffer while you recover.

We Specialize in the Following:

  • Injury only coverage 24 hr
  • Injury and Illness coverage
  • 0,30,60,90,120 Waiting Periods
  • 2,5, 10 or to age 65 Benefit periods
  • Some plans with no medical evidence

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Life Insurance

Life Insurance

Building a financial plan is like building a house so why not start from the ground up.

Life Insurance is the foundation of your plan. It will take care of your loved ones in  the event of your death by replacing the income you would have earned as well as clearing up any financial debt you may have had including but not limited to Mortgages, Car loans, Credit card debt. The proceeds of your life insurance policy will also help fulfill the dreams you may have had for your children for example a college or university degree.

Life Insurance can also be a very valuable tool for maximizing the value of your estate. Many people do no realize that at death your estate is subject to taxes and the government is actually entitled ,through taxation, to up to 46% of your RRSP savings.

An insured annuity or permanent life insurance policy is often the answer when preserving your families inheritance is of the utmost importance.

Take a look at this needs analysis tool to see how much insurance you might need then head over to our free online calculator to price it out for yourself

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Critical Illness Insurance

Critical Illness Insurance

Can you think of anyone close to you that has suffered from a Heart Attack,  Cancer or Stroke?

My Guess would be yes and while sometimes lifestyle will contribute to these conditions often people are totally blindsided by  the diagnosis or sudden event.

With the help of modern medicine most people are now able to make a full recovery with some modification to lifestyle going forward.  The bigger problem is the time it takes to actually recover. During that time you are most likely unable to work and unless you have a good handle on your finances, the added financial stress is the last thing you need.

Critical illness insurance is here to help alleviate the financial strain that  a Heart attack, stroke, cancer and up to 19 other critical illnesses  will cause so that you can concentrate on getting better . The benefits are recieved tax free in a lump sum from $10,000 to $1,000,000 for your personal use . You can use this money to pay for treatment elsewhere, make modifications to your home ( ramping), pay off debt or take that dream vacation you always wanted.

A critical illness policy usual equal to one years salary is a valuable part of your "Survive in Style" Plan.

Critical Illness Insurance is offered the following ways:

  • Term 10, Term 20
  • Term to 75 with Return of Premium
  • Term to 100 with Return of Premium

100% return of premium if no claim is made.

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Travel Insurance

Travel Insurance

Travel Checklist:

  • Passport - Check
  • Luggage- Check
  • Plane Tickets- Check
  • Travel Insurance- Oops I forgot and we leave tomorrow!

Save yourself a huge hassle and potentially very costly oversight by purchasing your Manulife Travel Insurance Plan right from the Gadula Financial Planning website.

We are trying to make it easy for you to take care of all of your insurance needs in one place.

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Mortgage Referral

Mortgage Referral

While we don't offer Mortgage Services in house we still want to be your one stop shop for financial services. Through our need to provide you with superior service we have teamed up with Mortgage Cents to provide you access to full mortgage services for first and second mortgages. We also deal with other local professionals in the Niaraga area.

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Home Value: $
Loan amount: $
Interest rate: %
Loan term: years
Start date:
Property tax: %
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Home and Auto Insurance

Home and Auto Insurance

While we don't offer Home and Auto Insurance in house we still want to be your one stop shop for financial services. Through our need to provide you with superior service we have teamed up with Morison Insurance Brokers  to provide you access to Home and Auto insurance through a very reputable brokerage. Rick Amadeo would love to hear from you to see if he can save you some money.

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Non-Medical/Guaranteed Life Insurance

Non-Medical/Guaranteed Life Insurance

Non Medical Life insurance refers to insurance that can be purchased without having to answer many medical questions and you don’t have to  provide a urine or blood sample . It can be purchased the same day as you meet with one of us and is quick and Easy. People with a complex health history or who would prefer not to have any testing done should consider this form of life insurance.

It is also very well suited as a final expense plan for seniors looking to cover their funerals or leave money to loved ones.

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Long Term Care Insurance

Long Term Care Insurance

Long term care insurance provides you with the support and financial resources necessary to cover the out-of-pocket expenses for care at home or in a facility, when you can no longer care for yourself.

Many Canadians will see their personal savings eroded by the costs of care in a long term care facility.

Long term care insurance is great at accomplishing the following goals:

  • Protect your retirement savings and income
  • Preserve an inheritance for your loved ones
  • Eliminate the burden placed on your family caused by long term care needs

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Health and Dental Insurance

Health and Dental Insurance

As Canadians, we’re fortunate to have one of the best healthcare systems in the world—but that doesn’t mean your provincial government provides you with all the healthcare coverage you need.

As provincial governments cut back their levels of healthcare coverage, you may be left to pay for expenses such as:

  • Prescription drugs
  • Visits to the dentist
  • Eye exams
  • Paramedical services
  • Transportation by ambulance

Our enhanced healthcare plans can help protect you against these and other unexpected health and dental expenses.

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