INsuring the future

It's not something many of us like to think about, but in order to take the best care of our families, we really MUST consider and be prepared for possibilities in life.

We are here to help you make informed decisions to safeguard your family against potentially harmful situations.

If you are like many of our clients, you want relevant, timely information from someone you can trust. It takes energy and resources to sort through the vast array of insurance products available. We've done our homework, and can help you understand what your family's needs are. We deliver the most reasonable options because we're not tied to any single insurance provider. We're able to shop around, and ensure you have most adequate coverage for your family at a very good rate.

Insurance is a serious matter and we treat our clients as we would expect to be treated � with personal care, discretion, and contentious attention to detail.

Are you covered adequately when you travel?

Who will look after your family if something happens to you?

Is your health a concern?

All that you own now; and your family's plans for the future could be at risk.

It's important to know exactly where your family stands and be prepared.

Insurance can provide an immediate cash benefit to support your family if something were to happen to you. When used correctly, insurance can play a powerful role.

Get the information you need to know ... NOW

Click on the sentences below to learn more:

1 in 3 people, on average, will be disabled for 90 days or longer at least once before age 65. If it happens to your family, how will you pay your mortgage, daycare, and other bills?

Do you know how long the average 65 year-old Canadian is expected to live; and what it costs for private accommodation in a government subsidized and regulated facility in Canada?

Many Canadians qualify for a better health-class rating than they have with their current provider. Do you?

If one of your parents or loved ones reached the point where they could no longer care for themselves, do you know what the 'eligibility rules' are for living care, and who determines �eligibility�?

1 in 2.4 men and 1 in 2.7 women living in Canada will develop cancer. You can�t put a price tag on helping a loved one survive a serious illness, but how will you cope with the bills?

Dental plans can give you as much or as little coverage as you require. What are your requirements?

Loss of Income / Critical Illness

Recovery will be your first priority. But how will you afford the costs that could be involved?

You need to know what is covered and what isn't. Don't let an unexpected illness destroy all that you have worked so hard for.

Consider these statistics and facts:*

• 1 in 2 men and 1 in 3 women are predicted to develop heart in disease in their lifetime.
• There are 40,000 to 50,000 strokes in Canada each year.

During their lifetime:

• 1 in 2.4 men and 1 in 2.7 women living in Canada will develop cancer.
• 1 in 9 women will develop breast cancer.
• 1 in 11 men and 1 in 18 women will develop lung cancer.

An estimated 2,798 Canadians will be diagnosed with cancer every week.

An estimated 50,000 Canadians, twice as many women as men, have Multiple Sclerosis.

* Statistics sources: Heart and Stroke Foundation, 2004. 2004 Multiple Sclerosis Society of Canada. National Cancer Institute of Canada: Canadian Cancer Statistics 2004.

Here are some survival statistics:

• 86% of hospitalized heart attack patients survive - the percentage is higher for those with their first heart attack, and lower for those with recurrent heart attacks.
• 80% of stroke patients survive the initial event.

This means that not only could you be faced with potentially overwhelming family issues, but they could be compounded by financial burdens. It�s hard enough surviving the emotional struggle, let alone adding financial worries. If you are diagnosed with one of the critical illnesses covered by a policy, you may receive a lump sum payment to spend as you like. You get the coverage you need, for your specific circumstances.

How much critical illness coverage might you need?

Many people haven�t thought about what could happen if they lost their income. It doesn�t take long to figure out how your family might fare, should you be faced with an unexpected occurrence. Below is a link to a calculator that will help you understand your income replacement needs.

Click here for the Critical Illness Insurance Calculator.

Click here for an informative article on Income Replacement.

There are affordable solutions for critical illness insurance. Together we can assess your situation, determine your needs, and review the most suitable solutions.

Long Term Care

Do you know:

• If your employee group benefit plan covers long term care costs?
• How long the average 65 year-old Canadian is expected to live?
• What it costs for private accomodation in a government subsidized and regulated facility in Canada

Click here to take a quick quiz to test your Long Term Care I.Q.

What concerns us?

A survey of more than 1,000 Canadians aged 35-75 revealed these fears about aging:

Deteriorating physical health:	57%
Loss of independence:	65%
Putting self or partner into a care facility:	55%
Running out of money:	53%
Deteriorating mental health:	54%
Being a burden to family:	51%
Source: 2007 survey by market Probe Canada among a random national sample of 1,008 Canadians aged 35-75, with annual household incomes of $50,000+, margin of error +/-3.1 percentage points, 19 times out of 20.

How do I know a loved one needs support?

Consistently dresses inappropriately

Poor hygiene

Becoming anti-social or reclusive

Unexplained weight loss

Bruises, signs of falls / trauma

Unopened mail / overdue bills

Laundry piling up

Blackened pots on stove

Source: howtocare.com

Living Care

Do you know:

• how long-term health needs are assessed?
• how long term care needs are assessed?
• what the eligibility rules are and who determines eligibility?
• what the estimated costs of long term care are in British Columbia?

Click on the sentences below to learn more:

The retirement challenges facing an aging population, and the very real need for long term care planning.

What your long term care needs might be.

Long term care costs in B.C.

Will the Government cover you?

There are great living care solutions available. Together we can determine your needs, and review your options. Know your options now, and be prepared for the future.

Family Term Insurance

If something happens to you, will your family be able to enjoy the lifestyle they are accustomed to?

Insuring the future means that a mortgage could be paid off, debts covered, education costs looked after, and much more. So that if something were to happen, your family will be well-cared for.

Whether it�s on a temporary basis, or insurance for a lifetime, your needs will dictate the best solution. Give us a call to review your situation.

Universal Life Insurance

Universal Life Insurance can provide maximum protection for your estate. There are many options available to suit your particular needs and circumstances. We can help you understand your choices and aid in determining the coverage that is right for you.

Many Canadians qualify for a better health-class rating than they have with their current provider.

Give us a call if you�d like a review of your existing policy. We�d like to know you�re properly covered, and if we can save you some money along the way � even better!

Travel Insurance

• How much would medical care cost if you or your family became a trip outside of Canada?
• How would you pay for these unexpected expenses?
• How much would it cost you if you needed to cancel your trip or come home early?

SAMPLE TRAVEL INSURANCE RATES:

We can offer you some of the best travel insurance rates around. For example, travel within Canada emergency medical coverage only, for a 39 year old for one week is approximately $8. For a single trip anywhere all-inclusive coverage can be as low as $80 for the same person, same time period. (rates for illustration purposes only, subject to change at any time).

You need to be prepared for unexpected events when you travel. We can help you figure out what the best coverage is for your travel, so that you and your family have peace of mind. Click here to get a quick quote on your travel insurance needs, or call Ashley at 604-575-6911.

Health and Dental Insurance

There are various levels of affordable health and dental coverage available. That means that you get the coverage you need, and not type-fits-all plan. Together we can assess your family's requirements, determine your needs, and the most suitable solution.

= PEACE OF MIND FOR YOUR FAMILY

What are you waiting for?

*Insurance products provided through Dundee Insurance Agency Ltd.

Our mission:

To build long-term relationships with families; guiding their life decisions with expertise, integrity and caring.

Contact Us:

For more information on how you can benefit from the experience of the LaLiberté Investment Team professionals, contact Jen Moulder, Licensed Sales Assistant at 604-575-6911 (toll free 1-866-575-6911) or by email at [email protected]

If you wish to contact a specific team member directly, please see our webpage titled "Our Team" for more information.

* Insurance products provided through Dundee Insurance Agency Ltd.