Oliver Insurance Services

At Oliver Insurance Services our goal is to help clients make an educated decision on the best products and services for their personal insurance needs. We will help you identify gaps in your insurance planning as it relates to life, income replacement and health insurance, and we will help you get into the habit of saving for your future. Buying insurance is much more than just picking a product. Like any products that we buy, there are good ones and there are better ones. We will help you choose the one that is best for you and your family. We will help you answer these questions as they relate to your personal goals:

Life Insurance:

  • Is life insurance needed and why?
  • How much insurance do I need?
  • Is Term insurance or Permanent insurance best for my situation?

Disability Insurance: (Income Replacement Insurance)

  • If I am disabled, will I need cash flow and why?
  • How much monthly income will be enough if I cannot work?
  • Should I have Non-cancellable or Guaranteed Renewable insurance?
  • What about Group Insurance disability benefits?

Critical Illness Insurance:

  • What is it and how does it work?
  • Do I need it?
  • Should I have both Critical Illness and Income Replacement Insurance?

Long Term Care Insurance:

  • Won't the government look after me if I go to a nursing home?
  • Will this provide benefits to allow me to stay in my home?
  • When should I purchase this?
  • Does it cover couples?

Savings Plans:

  • Why would I invest my savings with an Insurance Company?
  • Are there special benefits for investing with insurance companies?
  • Do Insurance Companies offer the same type of savings products as banks and credit unions?

Travel Insurance:

  • Do I need emergency medical insurance when I travel out of Canada, and is it affordable?
  • What if I am just travelling out of the Province?
  • What could happen if I don't have travel insurance?
  • Are pre-existing conditions covered?
  • Should I consider Trip Cancelation / Trip Interruption Insurance?
  • I travel 2 or 3 times per year. Do I have to purchase each time?
  • When friends or family visit me from another country, should they buy "Visitor to Canada Insurance"?

Individual Health and Dental Insurance:

  • Do I need this?
  • Are pre-existing conditions covered?
  • Is it expensive?
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Oliver Insurance Services
Steve Oliver, CFSB
Chartered Financial Services Broker

Oliver Insurance Services
Andrew Oliver
Life Insurance Broker