Rick M Denney Insurance Services provides different products and services to cater to the needs of individuals and families, businesses, and groups.
1. Needs Analysis
Our experts carry out a needs analysis to ascertain the current state of your finances and your future financial needs. We assist you to assess your income needs in the event of death, disability or retirement. After a thorough analysis of your assets and liabilities to provide for your future financial needs, we’ll create a plan that works best for you.
2. Disability income (RDSP - Registered Disability Savings Plan)
If you are in need of living benefits, we help with disability insurance as well as critical illness insurance. The Registered Disability Savings Plan (RDSP) helps Canadians with disabilities and their families save for the future. If you are under age 60, you are also eligible for the Disability Tax Credit (Disability Amount).
3. Life Insurance
With so many different life insurance products available in the market, it becomes a daunting task to select the right one that fits your budget as well as fulfill your needs. We’ll determine the amount of protection you need by analyzing the amount of income required to provide for the family, or to conserve an estate or business.
4. Savings
Whether you are saving for retirement, or for purchasing a home or setting up a business; we help you plan it all in advance. We enable you to have more of your income available for your current needs, even while you are saving for the future be in RRSP or TFSA.
5. Segregated Funds
A segregated fund that has insurance guarantees. We help you choose a good fit for your financial goals based on the type of fund and your insurance requirements.
6. Investment funds available through investing in financial services
We’ll help you make the most of your financial investments with products that suits your needs and goals.
7. RRSP - Registered Retirement Savings Plan
Registered Retirement Savings Plans (RRSPs) is a personal savings account that has special tax advantages and is the most important financial product for Canadians to save for their near or distant future financial needs.
8. RESP - Registered Education Savings Plan
A registered education savings plan (RESP) is a tax-sheltered account to help you save for a child’s post-secondary education.
9. TFSA - Tax Free Savings Accounts Tax Free Savings Accounts
(TFSAs) allows you to save money for any purpose, without paying taxes on the investment growth.
10. Mortgage Insurance
Private mortgage insurance protects the lender and mortgage insurance protection is for the borrower in the event of change of employment, loss of job, disability or death.
11. Deferred and payout annuities
Variable annuities fall into two broad categories, payout/immediate and deferred annuities, depending upon when the annuity payout period begins and how premiums are paid when the benefits begin. We help you reap the benefits of immediate annuities starting its benefits within 60 days of deposit or by the single premium deferred and periodic payment deferred methods chosen, as per your needs.
12. Structured Settlements
A structured settlement is a negotiated financial or insurance arrangement through which a claimant agrees to resolve a personal injury claim by receiving part or all of a settlement in the form of periodic payments on an agreed schedule, rather than as a lump sum.
Disclaimer
Insurance: Insurance products are provided through multiple insurance carriers.
Segregated Fund: Segregated fund products are offered through Investia Financial Services Inc. and/or multiple carriers.
Subject to any applicable death benefit guarantee, any part of the premium or other amount that is allocated to a segregated fund, is invested at the risk of the policy owner and may increase or decrease in value according to the fluctuations in the market value of the assets of the segregated fund.