CAR INSURANCE. HOUSE INSURANCE. WE INSURE THESE WITHOUT HESITATION
- BUT WHAT ABOUT INSURING YOU?
Life is full of the unexpected and you should be prepared for anything. Insurance products can do this, offering protection when you need it the most.
KLS act as an insurance broker for the following:
- Life Insurance
- Disability Insurance
- Critical Illness Insurance
- Long Term Care Insurance
- Health and Dental Insurance
- Travel Insurance
- Group Insurance
OUR HAPPY CLIENTS SAY
During the past 16 years it has been a true pleasure to have Paco providing recommendations for our financial future.
Mr. Drew Stoltz & Mrs. Diana Hillier - Stoltz
Cam really focused on getting to know us as individuals….and to determine if we could afford to retire.
DAVID NAYLOR, WATERLOO, ON
Rajeev has been our financial advisor since 2006 and our experience has been fantastic. He is extremely trustworthy and honest. He gives us peace of mind and a sense of security knowing that our family is protected.
Victor Hussein, Real Estate Lawyer
Cam is a grounded person who takes a rigorous professional approach and yet has a down to earth way of explaining things. He never makes you feel like you are asking dumb questions.
DAVID & BARBARA FRANSEN, WATERLOO, ON
Rajeev is very passionate about providing value to his clients which is important to me. He looks out for my best interests and treats my portfolio like it's his own which means a lot.
Cynthia Sundberg, President, School of Rock
I really appreciate our relationship and value your advice Rajeev. You are an exceptional advisor and I trust you immensely. I’ve worked so hard to get to my current financial situation and I’m so thankful to have you guide me through the process to ensure I use it to its full potential. You are a gift in my journey, so thank you for that!
Paco has been providing sound financial planning services to my wife and I since 2007 and further, to myself since 2001. During the past 16 years it has been a true pleasure to have Paco providing recommendations for our financial future and retirement. His friendly, sincere, professional, ‘client first’ approach fosters a team atmosphere where all decisions are made only when the appropriate comfort level related to risk has been achieved, by all. We are thankful to Paco for his advice over the years, and our proud to not only have him as our financial planner, but also as a terrific friend.
Mr. Drew Stoltz & Mrs. Diana Hillier - Stoltz
Cam does a great job in looking for opportunities, finding ways to diversify, and always making an extra effort. He has excellent professional experience and makes it his responsibility to meet expectations and provide results...I've know Cam for many years and we've always had a productive working rapport.
IRENE ROONEY, WATERLOO, ON
Rajeev is a full service advisor and takes the time to understand my requirements.
RICK ENDRULAT, PRESIDENT, VIRTUAL CAUSEWAY
Cam really helped us with our investments and helped us to do long-term planning. His modeling and tweaking of the plan over the years validated for us that we are going to be fine in retirement.
BRUCE & DIANE MONTEITH, WATERLOO, ON
Whatever stage of life you’re in, we can help you feel financially secure with a life insurance plan that meets your specific needs – whether it’s family protection, business continuity, estate preservation or investment solutions.
We offer three basic types of life insurance:
- Whole life
- Universal life
All of our life insurance plans give you the choice to receive Compassionate Assistance if you’re diagnosed with a terminal illness.
While it’s tough to think about, imagine what would happen if you or a loved one became ill or injured and lost your ability to earn an income? How would you pay your bills or support your loved ones? Disability insurance is exactly the type of protection KLS can offer in such a situation.
By providing you with a monthly income, disability insurance will help you meet your financial obligations so you can focus on getting well. KLS have a variety of disability insurance plans available to employees and to business owners.
Critical Illness Insurance
Coping with a critical illness is challenging enough without the added stress of financial worries. And the worry doesn’t always end when the illness does. The impact of a critical illness can cause significant financial burdens. Critical illness insurance is there to ensure money is there for you, no matter the state of your health.
Designed to give you financial support before, during and after treatment, critical illness insurance provides a lump sum, tax-free payment to you to use however you see fit. Whether it’s for daily expenses, debts, or to cover a leave of absence from work, the payment is there to be used for whatever you need it for and there is no tax on it.
Critical illness insurance helps take care of the worry for you, so you can concentrate on getting well, and living your life.
Long Term Care Insurance
As we live longer, there is a growing likelihood we will need long-term care at home or in a facility at some point in life. This type of care is not always covered by the government and can be very costly.
Long term care insurance helps cover the costs of being in a long term care facility or needing special medical homecare. Instead of worrying about using up your savings or relying on a loved one to use up theirs for the costs of care, long term care insurance is there to take the stress of costs away for you and your family.
Health and Dental Insurance
While our provincial health plan covers many medical costs, it doesn’t cover everything. Supplementary health insurance picks up where our provincial plan stops.
That means health expenses like prescription drugs, eyeglasses and visits to the dentist. This insurance can also cover unexpected and expensive medical costs, such as getting a private hospital room, chiropractic care, physiotherapy and much more.
Medical expenses can add up quickly. Supplemental health insurance provides support when those unexpected bills need payment. Why not know you don’t have to worry about relying entirely on your provincial health plan?
Click here for more information on this insurance, or to get a quote, or to purchase a plan online.