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Protecting your most valuable asset.

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Today I want to provide you with some valuable information that will help to make sure that you have the required money to support you and your family, at a time of being disabled.

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Protecting your most valuable asset.

  1. 1. 1 Presented by: Jeff Romansky Protecting Your Most Valuable Asset Presented by: Carlo Carpino Life & Living Benefits Advisor
  2. 2. 2 You are, your most important asset and your health is your wealth! We help protect your Lifestyle if you can’t work as a result of a disability, either an injury or a sickness. Your Most Valuable Asset !
  3. 3. 3 “Based on your current Age lets have a look at your Potential Income to Age 65 assuming a 5% Annual Increase” “Would you Agree that your Ability to Earn an Income is your greatest asset?” You Are an Important Asset
  4. 4. 4 Probability of 90 Day Disability Prior to Age 65 If your Disability lasts longer than 90 Days, what is the average length? Risk and Duration of Being Disabled
  5. 5. 5 Question: “What would happen to your lifestyle if you were unable to work due to Disability? Response: “That won’t happen to me ! I will never be disabled enough not to go to work” We all think it will never happen to us, but that is simply not the case Thoughts About Disabilities
  6. 6. 6 Client “I have heard in the past that Disability Insurance is expensive” Response “Each of our plans are individually designed to cover your needs and fit your budget.” It Is Too Expensive
  7. 7. 7 “Which job would you select or tell your son or daughter to pick ? ” Job A $60 000/Year Disability Strikes You Get…. $0 Job B $58 000/Year Disability Strikes You Get…. $39 000 Tax Fee Or “The affordability index, is that typically people spend 2% to 3% of their income for these solutions. ” It’s Your Choice
  8. 8. 8 “Let’s look at it another way…” Assets Totaling $435,000 Cost of Insurance = $2200 Your Asset Asset Value Insurance Cost Car House $35,000 $400,000 $1200 $1000 Asset Totaling $3,000,000 + Cost of Insurance should be: 1 – 3 % of your annual income Income $3,000,000 $000 Protecting Your Assets
  9. 9. 9 Car House $1,200 $1,000 2% 1.6% $2,200 3.6%Total $35,000 $400,000 $435,000 ValueAsset Insurance % of Income Income $000 1% - 3%$3,000,000 Affordability Index – 1% - 3% of your annual income. Only Small % of Your Income
  10. 10. 10 Protect your Income. Protect your Lifestyle. The needs of Canadians in different life stages and professional situations, we found there is a noticeable gap in disability insurance protection. What Do We Do? › Affordable Protection to Fill a Gap › Customize your disability insurance coverage with a broad range of choices › Income protection for the self-employed and employees without disability coverage › Advice tailored to your needs › As your life changes, we can help
  11. 11. 11 Presented by: Jeff Romansky Our income replacement solutions provide choices of having “Injury Only” or “Injury and Sickness coverage.”
  12. 12. 12 Questions To Think About? 1. How long can you take care of paying all your bills, when you are disabled? • 30 days, 60 days, 90 days or longer ? 2. How much tax free money will you and your family require, when you are disabled? Have you prepared a budget to know the right amount to cover the bare necessities?
  13. 13. 13 Questions To Think About? 3. Where will the money come from ? • Savings, Investments, Liquidate Assets, or an individual RBC Income Replacement Policy! 4. Do you have any group Long Term Disability insurance included in your employee benefits program at work?
  14. 14. 14 Presented by: Jeff Romansky The next step in the process, is to design a personal solution for you. I will be happy to take care of you, give me a call or email me. Office: 905-286-5099 Cell: 647-406-8137 Email: carlo.carpino@rbc.com Choice, Not Chance Should Determine Ones Destiny

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