Lamarsh Insurance
Sedicated to the design, implementation and management of financial plans for Self Employed, Business owners, Families, Associations and retirees. Based on the client’s story, their vision and our advice, A coordinated wealth management approach to build a master plan.
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What do you love most about your job?
I love helping people get on track with their goals. Often times people miss out the basic fundamentals in protection for themselves and family. Mostly due to affordability, this is why I work hard for solutions to give them the best product for best pricing.
What inspired you to start your own business?
I had a slip and fall accident which made my life very difficult and of course when I went to submit a claim I was denied as I was self employed and the coverage did not include self employed income. It wasn't too long after I was shown the difference of Accident and Sickness products. Now as an independent broker I have researched much better products and that are very affordable. Not only Accident and Sickness but having much better access to everything else. Children Critical Illness life insurance RESP. Life Insurance, Critical Illness with no medical. Mortgage Insurance and Financing. Long Term Care. Investments.
Why should our clients choose you?
I look hard for best solutions for you. Everyone has a need but to make it affordable is the key.
Can you provide your services online or remotely? If so, please add details.
Consultations can be provided remotely or in person
What changes have you made to keep your customers safe from Covid-19?
Having the shots and wearing masks help reduce any risk
Life Insurance
Life Insurance Tax-free benefit to pay towards debts, taxes and to maintain your family’s lifestyle. Term Life Insurance Participating Life Insurance Universal Life Insurance Guaranteed Issue Life Insurance Mortgage Life Insurance
Critical Illness
Critical Illness Insurance Tax-free lump sum benefit to cover additional costs if diagnosed with a critical illness or condition. “Focus on your recovery, not your finances”
Disability Insurance
Disability Insurance Offers financial protection if you’re unable to work due to an illness or injury. Income Replacement Loan Repayment Top-Up Group Coverage
Health Care Benefits Travel Iinsurance
Extended Healthcare Dental Benefits Prescription Drugs Vision Benefits Travel Insurance Emergency medical coverage for a vacation, visitors to Canada or while studying abroad. “Sit back and relax, we’ve got you covered”
RRSP TFSA RESP
RRSP (Registered Retirement Savings Plan) TFSA (Tax-Free Savings Account) Non-Registered Savings Plan RESP Building your growth for your futures
Business coverage Employee Benefits Attract and retain valuable employees with flexible plan designs to suit your business:
Business Insurance
Life Insurance Protect your business in the event of a death of a business owner or key employee. Key Person Insurance Buy/Sell Funding for Partners Capital Gains Tax at Death Business Loan Protection Employee RRSP's Employee Registered Retirement Savings Plans with optional employer contribution matching. Help ensure that your employees are preparing for retirement. Corporate Critical Illness Tax-free lump sum benefit paid to your business while a shareholder recovers from a critical illness or condition. Reducing financial strain on your business. Health Spending Accounts Canada Revenue Agency approved method to provide medical, dental and vision benefits in a tax-efficient manner. Health Spending Accounts are an eligible business expense for the corporation and the benefit is received tax-free to the employee. Corporate Disability Insurance Keep your business running smoothly in the event of an injury or illness of a shareholder. Tax-free benefit to help pay for business expenses like rent, utilities and salaries.
Mortgage Insurance
Here’s why this solution is better than mortgage insurance offered by your bank.
You choose the beneficiary and they choose how to use the benefit.
Coverage stays, no matter where you bank.
Fully underwritten at time of application, no surprise at time of claim.
Children Life Insurance Critical Illness RESP
Critical Illness
A serious illness can have severe financial repercussions on the lifestyle of the people with the illness and their family members. Our critical illness insurance provides financial assistance that’s easy to apply for, and that will help them focus on recovery.
A Secure And Flexible Insurance For Children
Children`s Wealth Protection Plan is a "Participating" Whole Life insurance plan that provides your child security, flexibility and a head start for any financial need in life including education, down payment on a home or starting a business.
Maximize Savings
To maximize their savings or make up for a temporary cash flow shortage, three types of loans are available to your clients: RRSP loans, RESP loans and investment loans. Follow these links to access the rates for loans products: RRSP, RESP and investment.
Long Term Care
Life and Serenity 65 is whole life insurance with additional protection for the four main health problems that come with age. Starting at age 65, your client's health can allow him/her to access the life face amount on the product by receiving a monthly benefit that can be used to pay for long-term health care.
