Brad Brain Financial Planning Inc

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Brad Brain Financial Planning Inc.

Manulife Securities Incorporated

Manulife Securities Insurance Agency

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Insurance Home Life Insurance Critical Illness Insurance Disability Insurance Long Term Care Insurance Health & Dental Insurance Travel Insurance Group Benefit Plans Medical Underwriting	So many people spend their health gaining wealth, and then have to spend their wealth to regain their health. ~A.J. Reb Materi, Our Family
	Insurance
	Planning for a financial independence can be complex, but it does not have to be complicated. When you know the steps and what to consider, making effective decisions becomes easier. You and your family may face financial difficulties if you are unable to work. Many people recognize the need for life insurance, but don't forget to insure your greatest asset - you're ability to earn income.
	Life Insurance	Critical Illness Insurance	Disability Insurance	Long Term Care Insurance
	Health & Dental Insurance	Travel Insurance	Group Benefit Plans

	Life Insurance	Term Life Insurance Pure Insurance, no extra stuff added If you die, it pays. Cause of death is not a factor Death benefit is tax-free Least expensive in the initial years Premiums increase over time Best suited to a temporary need Can be converted to a permanent policy with no further underwriting. Permanent Life Insurance Can have an investment component attached If you die, it pays. Cause of death is not a factor. Death benefit is tax-free Growth of the investment is tax-free Potentially you can access the cash in the policy tax-free Best suited for a long-term insurance need, for estate planning, or for advance wealth building. SEE MORE Life insurance is not currently available for purchase online
	Critical Illness Insurance	If you survive a covered critical illness, this pays a tax-free lump sum 30 days after diagnosis Illness only Policy is independent of work status SEE MORE or APPLY ONLINE
	Disability Insurance	If you can't work because you are hurt of sick, this pays a tax-free monthly benefit Accident and/or illness are covered Linked to lost income or time away from work SEE MORE
	Long Term Care Insurance	If you are unable to perform the activities of daily living, this pays a tax-free daily benefit designed to cover medical costs SEE MORE
	Health & Dental Insurance	In 2006, the average Canadian household spent $1,250 on health care costs not covered by provincial health plans - dental care, eye care, paramedicals - up 10% from 2005 source: Statistics Canada Offers protection against the costs of dental work, prescriptions, eyeglasses, and more. SEE MORE or APPLY ONLINE
	Travel Insurance	Coverage for you travelling outside your home province, or for guests coming for a visit to Canada Offers protection against unexpected medical emergencies, trip cancellation, baggage loss, flight accident, and travel accident. Chose from single trips, quick trips, multi trip & more SEE MORE or APPLY ONLINE
	Group Benefit Plans	Group benefits for employees provides coverage for routine and predictable expenses, such as dental, eyeglasses or prescriptions. potentially any legitimate and recognized medical expense is covered, including naturopathic medicines and nutritionists. option for built-in “stop-loss” insurance policy that covers any medical expenses that exceed a certain amount, approximately $3,500 SEE MORE
	Brad Brain is an insurance representative through Financial Management Brokerage, and Brad Brain Financial Planning Inc., and is licensed for the sale of health insurance products in the province of British Columbia. Any quotes obtained are not necessarily for the best price nor for the most suitable product. Insurance policies and rates may vary for individual persons and individual circumstances. Quotes are not guaranteed as policy premiums. For a more complete Insurance evaluation, please contact your Financial Management Brokerage representative. If you currently do not reside in the province of British Columbia, feel free to contact us and we will recommend you to an insurance broker in your province of residence.
	The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any jurisdiction in which Manulife Securities or its Advisors are not appropriately licensed or registered or where any Product of Service is not eligible for sale. Details are available on request. Brad Brain and Manulife Securities Incorporated and Financial Management Brokerage do not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of Brad Brain, Manulife Securities Incorporated and Financial Management Brokerage. The information in this communication is subject to change without notice Insurance products and services are offered through Financial Management Brokerage. Manulife Securities and the block design are registered service marks and trade marks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Securities Incorporated. The information in this communication is subject to change without notice. Manulife Securities Incorporated is a Member CIPF
	Brad Brain Financial Planning Inc. Manulife Securities Incorporated Financial Management Brokerage Suite 101 9705 100 Ave Fort St. John, BC V1J 1Y2 Phone: (250) 785-1655 Fax: (250) 785-1650 Email: Brad Brain, Financial Planner Meagan Mueller, Executive Administrator

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