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:
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:
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.
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.
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.
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.
If you take the time to plan a great trip, why not make emergency travel coverage part of your plan, just in case? This is especially important since out of Canada emergency medical expenses are not generally covered by OHIP and these expenses can be significant.
You may also want to consider plans that apply outside of Ontario as some medical and paramedical expenses are only partially covered by OHIP. Depending on your needs, you can opt for coverage on a daily or annual basis. KLS will help you determine which plan works for you and your family.
Click Here for more information on this insurance, or to get a quote, or to purchase a plan