Specializing In Insurance For Farmers, Ranchers, Rodeo Athletes, Trades and Small Businesses
What We Offer
My specialty is helping people protect their hard earned pay checks. I work with farmers, ranchers, rodeo athletes, cowboys and cowgirls, as well as small business owners and contractors. You work hard! Let's put a plan in place to help you keep money coming in, in the case of an accident or an illness.
Even though my specialty is helping people protect their pay checks, I also have great products and knowledge to be able to help you with protecting your lifestyle and your assets through various types of life insurance and I can also assist you with personal and group benefit plans to help you cover your day to day expenses like dental, prescriptions, practitioner coverage and travel benefits.
A farm kid from Salmon Arm, BC got into an accident on his Harley on the highway resulting in a fractured arm and was off of work for 2 months. He was paid a benefit of over $9,000 in addition to what his vehicle insurance paid him.
Does Anyone Depend On Your Income?
If you answered yes, you need insurance!
How would it affect your family if you didn't receive your full pay check (or any pay check at all) because you couldn't go to work due to an accident or an illness?
How would it affect your family if one of your children ended up suffering from an accident or illness that left them in the hospital for prolonged periods of time? Do you have the resources to take time off of work to be with your child when they need you most?
Do you have life insurance in place to protect your family's lifestyle and give them time to grieve in the event of the loss of a family member?
Are you spending too much money on life insurance from the bank to cover your loans and mortgages? (Did you know that there are no guaranteed life insurance pay outs when you insure through your Financial Institution and you may be paying for something that will never pay a benefit? - see link below for explanation).
WHY IS INSURANCE IMPORTANT?
Life Insurance
A husband and dad of 2 young children is fixing a piece of equipment when things go wrong resulting in an accident that takes his life. His wife and kids are devastated and his wife is worried about how she will pay the bills and care for her children while she is struggling to even function due to the grief of losing her husband and best friend.
Luckily, a few years ago, the couple had purchased life insurance. She is relieved to learn that she can focus on her children and herself. She has time to learn how to navigate this next season of life, without having to stress about how she will pay the mortgage. She won't have to uproot her children because they don't need to sell and move to a less expensive home. She can focus on being there for the kids and not going to back to work next week because the life insurance was enough to pay the bills while she recovers and adjusts to this new life.
Disability & Hospitalization
A young farmer, newly married and just getting started in his farming career is working as hard as he can to cover the overhead he has taken on. One day he's checking bins and slips and falls, sustaining broken bones and internal injuries resulting in a 4 month hospital stay. He's worried about how he will make his payments and hire someone to help his wife look after the farm while he recovers as she is still working full time and needs to be in the hospital with him as well. A call to his insurance agent gives him reassurance as he had set up Disability and Hospitalization coverage for himself when he took over the farm. He will have enough disability coverage to pay the wages of a hired man and his hospitalization benefit which pays up to $9000 a month will cover his payments giving him the peace of mind that he needs to focus on his recovery.
Critical Illness and Benefits
A families worst nightmare comes true when their youngest is diagnosed with cancer which will result in many treatments and trips back and forth to the city along with expensive medications. Thankfully, when the kids were young they purchased a family group benefits plan which will cover the cost of the medications and with that group plan came a sizeable critical illness policy on each family member. This critical illness policy gave the family an extra lump sum of money to pay for the added expenses and the lost income for one of the parents to always be able to be with their little one. These policies allowed this family the financial support they needed to be able to give their child the best chance of survival and a happy life ahead.
Examples Of Policies We Offer
Accident & Sickness
Covers you at work, at play, and participating in any recreational activity whatsoever! Covers you for any illness including the serious ones. Covers you 24/7.
Pays cash directly to you in addition to any other insurance you already may have and pays starting at the very first day! This policy will pay benefits for hospital stays, broken bones and day surgeries!
(Pays up to $9000/month in benefit (more if you are confined to ICU), and it covers things like rodeo, hunting and fishing injuries.)
Disability
Gives you coverage 24 hours a day. If you can't go to work due to an injury or an illness, have peace of mind that you have your income protected!
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We have policies that pay you a benefit starting from the very first day so that you can protect your lifestyle while you're recovering.
Critical Illness & Cancer Care
Make sure you have the resources necessary to protect your family against an unexpected illness. Our critical illness and cancer care policies will do just that!
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Our Critical Illness policies will give you a lump sum payout in the event of being diagnosed by a covered condition, giving you funds to pay your bills as well as open up treatment options to help your recovery.
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Our Cancer Care policy will give you peace of mind as it pays a daily benefit for surgeries and outpatient treatments as well as a recovery benefit for each treatment or surgery allowing your to focus on your recovery.
Life Insurance
We have options when it comes to life insurance! We can help with:
*replacing mortgage insurance to save you money
*income replacement to protect your family's lifestyle
*life insurance to cover final expenses
*life insurance to help with estate planning so that everything you worked so hard for can stay in the family!