Wiest Insurance & Investment Management
Helping you prepare for the future.
Critical Illness Insurance
The ideal solution if you must take a temporary leave of absence from your work due to a critical illness, which will affect your finances and standard of living.
About Critical Illness Insurance
Offers you a lump-sum benefit payment that allows you to take the time to rest in the event of a critical illness. This coverage provides you with the means to fulfill your financial commitments as well as to cover your healthcare expenses. Most critical illness policies will cover 25 to 26 different illnesses...with cancer, heart attack, and stroke being the big 3. It seems like nowadays everyone has had a family member or friend impacted by one of these three. And with our ever improving health care and medication, most are surviving these illnesses.
Critical illness allows you to cover any unforeseen costs and loss of income until you are able to get back on your feet. At the time of application, you are able to choose the length of term you would like to lock your policy and insurance cost in for.
Some features such as Return of Premium upon Death and Return of Premium upon cancellation can be added to certain policies. Return of Premium upon Death is just like it sounds. If the insured were to pass away without ever collecting the critical illness benefit, all of the premiums will be refunded to the beneficiary of the policy.
Return of Premium upon cancellation occurs when the insured reaches a certain period in the policy when they can cancel the policy and have all of the premiums paid towards the policy refunded to the insured.
Insurance Planning
Investment Planning
Agriculture
Corporate & Small Business
Insurance Planning
As an Independent financial advisor, my team will provide services tailored to each client’s needs and objectives. Proper planning now can help reduce emotional and financial stress when the need for insurance arises. Adequate insurance for life and long-term care is essential, and careful planning is crucial to nearly any financial goal. Having insurance coverage in place is invaluable, allowing you to focus on what matters most and not worrying about finances.
Investment Planning
Because Wiest Insurance and Investment Management is an independent firm, we are empowered to deliver unbiased advice and are not restricted to certain investments or proprietary products – solutions are customized to meet your needs and investment objectives.
Allow us to help navigate your retirement planning, tax, estate, philanthropic or business succession plans.
Agriculture
Agriculture continues to be one of, if not the most important industry in Alberta…yet we have seen drastic intergenerational changes. Being raised on a 4th generation crop and cattle farm in Southern Alberta, I have the ability to work with you in developing a financial plan that focuses on successfully transitioning your farm…whether that means succession planning or sale planning. If you are expanding, or have current debt that is insured through your bank or lending facility, allow Wiest Insurance and Investment Management the chance to shop out your insurance needs and bring back a cheaper and better solution!
Corporate & Small Business
You need professional advice and guidance that can help you develop the right plan for your future and the future of your business. Wiest Insurance and Investment Management will provide sophisticated planning solutions for your business including qualified retirement plans, succession planning, buy-sell agreements, risk management, nonqualified executive benefits, and employee benefits along with developing investment and savings accounts owned by your corporation to grow your retained surplus cash.
