THE AVERSION TO THE SUBJECT OF LIFE AND HEALTH INSURED FINANCIAL INSTRUMENTS

Life and health insured financial instruments are tools - two of many financial instruments - nothing more.


Second only to our health, there is only one core financial issue we each have to resolve - and it is not life insured or health insured financial solutions.


Here is the issue - 'How long during your lifetime do you expect to need an income that you are sure is fully sustainable' (i.e., no shortfalls in any given year and no vulnerabilty to the market)?


Sufficient capital which is readily convertible to a guaranteed flow of lifetime income for ourselves and for those to whom we are responsible is what most individuals need.


This is easier said than done.


The key word is 'guaranteed'.


If you have the guarantee nothing further is needed.......

If you don't........it helps to have access to unbiased professional advice

                          ........that is what we do.




Dan Zwicker
Investor Consultant
Toronto, Canada