Royal Wealth Financial

Life is never fair! Life hits us hard unexpectedly. We need to ensure that our current or future spouse and children are capable of being financially secured if anything were happen to us. There are many different types of plans when it comes to Insurance Services. Depending on what your financial needs are, our expert team will bring you coverage for Term, Whole Life, Universal Life Insurance; Assets and income replacement Insurance, Retirement, Disability and Critical Illness Insurance, Group Benefit Insurance, Travel and Super-visa Insurance and much more customized just for you at the very competitive rate. We provide fast application submission and approval.

Ask yourself these questions first: • Am I on track for your retirement? • How much money do I need to be able to retire with the same life style you have today? • Will Government Retirement Benefit cover all my needs when I retire? • How much am I saving on a monthly basis? As advised by financial advisors, anyone needs to have 10 times of your annual income to meet your insurance needs and 20 times of your income for retirement, For example, if your annual income is $50,000 per year, you need $500,000 of life insurance and $1,000,000 for retirement. Have you accumulated enough money for your retirement? What sources of income will you have? • Registered Retirement Saving Plan (RRSP) • Guaranteed Income Supplement (GIC) • Old Age Security (OAS) • Canada Pension Plan (CPP) • Tax Free Saving Account (TFSA) Answer these questions: • Do you know which plan fits my needs and how I can apply for them and when? • With the number of retirees increasing, what might happen to these programs? • How much am I expected to receive? • Would that amount cover my needs at the retirement? • Where to invest my money to grow safe and gives maximum return? • What do I need to know beyond my investment growth? A Financial Needs Analysis can give you a clear and overall picture of your sources of retirement income. Our expert Financial Advisors can assist you to pick the best retirement plan based on your financial needs analysis procedure. We consult with you the details of each plans to help you make a better decision for your current and future financial needs.

Choosing a mortgage, renewing your mortgage, paying off your mortgage faster and more can all be done in Royal Wealth Financial. Royal Wealth Financial collaborates with the most trusted major banks to provide you with the best Mortgage rate and loans. We shop around for you and educate you on the available products before making any decisions. Once you are comfortable with the plan and rate you are presented to, the rest is on us to get it approved.

After purchasing a home or a car and before being able to live in the house or drive the car, you need to have a proper insurance product in place. If you are looking for single or multiple insurance products, such as residential insurance (including home, condo or tenant) and car(s), and/or motorcycle insurance, you should consider bundling these products to take advantage of savings of 10% to 15% on your yearly insurance cost. These products can be purchased for yourself and/or your spouse and/or all ones living in the same household. To get a quote for your residential and car you’ll need driver and vehicle information, along with property details. Also you can bundle more than just residential and car, so have information handy for any other properties or vehicles you own, like your cottage or ATV. The more you bundle, the more you save! Residential and car insurance savings There are many ways to bundle and save: Car + Home (residential or tenant) If you are the home owner, by bundling your home and car you can take advantage of 10% less yearly insurance cost for both products If you are purchasing the insurance for tenant, by bundling your home and car you can take advantage of 15% less yearly insurance cost for both products If you have any combination of multiple vehicles below, you still can bundle them all in one product and save! Multi-Motorcycles Car + Motorcycle Multi- Vehicles Bundle your home with your car, motorcycle, snowmobile, ATV, or RV to get a multi-line discount! We provide competitive rate for home and auto insurance. We will study your requirements and shop in more than 30 markets to find the best plan at the best rate for you. Get a free quote with us today to see what you can save on your Home and Auto Insurance.