FINANCIAL PRODUCTS

We have you covered for your GIC, Mutual Fund, & Retirement Saving Needs

GIC’s

Canopy Insurance Services is committed to providing clients with the best GIC rates. We will search GIC rates at banks, credit unions & insurance companies to find the best interest rates available. We provide one-stop GIC shopping. We also offer high yield short-term savings accounts. We work with individual clients and small to medium sized businesses.industry.Canopy Insurance Services is committed to providing clients with the best GIC rates. We will search GIC rates at banks, credit unions & insurance companies to find the best interest rates available. We provide one-stop GIC shopping. We also offer high yield short-term savings accounts. We work with individual clients and small to medium sized businesses.

MUTUAL FUNDS

We represent a wide range of insurance companies which can provide the most competitive rates in the industry for Commercial, Private or Recreational Vehicles including motorcycles, scooters, jet skis, all terrain vehicles, snowmobiles… All our customers get fast, immediate and professional service. Drivers with accidents and tickets can enter into our preferred program. If you think you are “not insurable” or “high risk” we will be more than happy to assist you.

Figures, inflation; when mutual funds were first introduced in the 1970s they were intended to make the markets accessible to everyone in addition to being a simple way of investing. The markets certainly are more accessible but with hundreds of funds to choose from, selecting one for your portfolio can be a daunting task.
That’s where Canopy Insurance Services can help. While no one can predict the markets or guarantee your returns, Canopy Insurance Services can help you choose highly rated mutual funds.
Looking closely at each fund’s history and exploring variables such as job rates, interest rates, and resource prices for guidance, Canopy Insurance Services has established a track record of success when it comes to selecting winning funds.
If you have any questions or would like to contact us for a complimentary financial review and second opinion on your investment portfolio, please call or write us today.

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A FULL RANGE OF PRODUCTS

For over 30 years we have offered a wide range of products at the most competitive prices. For over 30 years Take a look at our different options!

COMMERCIAL

We know business – we offer a Contractors Plus Package, Store Package, Office Package, and many others.

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LIVING BENEFITS

We’re here to help when the unexpected happens. We strive to bring peace of mind to our clients during times of difficulty.

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Personal

We offer insurance for any kind of vehicle, recreational or private – at the most competitive rates. We also offer home insurance!

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RRSP and Retirement Planning

Retirement planning is about first establishing your goals and objectives. One needs to establish the amount you can set aside for your contributions and try to contribute monthly if possible. This not only makes it easier to budget for, but also makes use of a strategy known as dollar cost averaging, which can provide more stable earnings on your investments with the potential for higher returns. The sooner you start, the more money you will have at retirement.

If you are approaching or are already retired, you need to consider the many investment options available to you. Your investment strategy needs to match your income requirements, years you want that income and any estate plans you may have. Canopy Insurance Services can help you find the solutions you need, to establish and make your plans work for you through flexible investment options while maximizing guarantees you have available to you.

Canopy Insurance Services has developed a unique business model that is in the client’s best interest. We do not represent nor does any single investment firm, Life Insurance Company, Bank or Trust Company bias us. We do however have access to virtually all products and focus on scouring the market to find the best product to match our customized solutions.
At our first meeting, we get to know each other. Our planners make you feel comfortable by listening carefully to your goals and personal situation. A detailed financial plan is developed which will help you reach your goals and provide financial peace of mind.
We would be pleased to meet with you to do a full review of your retirement objectives. If you have any questions or would like to engage our services, please call or write us today.

Segregated Funds

A Segregated Fund is an investment fund set up and operated by a life insurance company. Life insurance companies are obligated to establish distinct funds that are separated or “segregated” from the general funds of the company; hence, the name “Segregated Funds”. They operate in the same way as a mutual fund, and are affected by the same factors. However, there are some very important differences between segregated funds and mutual funds.

This segregation protects the investor in the event of insolvency of the managing life insurance company since the fund assets are held for the exclusive benefit of the unit holder. Advantages Over Mutual Funds Guarantees – Upon maturity of the investment contract, or death of the unit holder, you (or your beneficiary) receive the greater of the market value of the fund units accumulated or 100% of all deposits made prior to age 65 plus 75% of any deposits made after age 75 (this amount will decrease in proportion to any withdrawals from the fund). These guarantees are unique to life insurance company segregated funds and provide important safeguards against market fluctuations.

Protection from Creditors: With the proper beneficiary designation, segregated funds provide protection from creditors in the event of an unexpected lawsuit or bankruptcy. This feature is of prime importance to business owners, professionals and others that could be subject to a possible lawsuit.

Exemption from Probate: In the event of your death, a segregated fund with a named beneficiary, other than your estate, is exempt from probate, thus saving both probate and executor fees. This also ensures prompt receipt of assets by your beneficiary.

Disability Waiver Option: With this option, monthly deposits to Segregated Fund Investment Plans can be self-completing if you become disabled.
If you have any questions or would like to contact us for a complimentary financial review and second opinion on your investment portfolio, please call or write us today.

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Have A Question?

Thank you for visiting us today! If you have any questions, comments, or want to learn more about our products and services use the form and send us a message. We’ll get back to you right away.