Our Mission and Vision Statement
Kaizen Insurance and Financial Services Ltd. (KIFS) is engaged in providing insurance and investment products and services to its broad clients, both family and business.
KIFS shall continuously pursue excellence in customer-service, innovation and product offering to its clients delivered in a timely manner.
KIFS shall strive to develop better relationships with its clients, co-workers, and business partners.
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"Kaizen" is a Japanese word which means" change for the better". Dictionary.com defines it as " a business philosophy or system that is based on making positive change on a regular basis..."
Mark A. Quintin, MDRT, MBA
Virginia M. Quintin, BBA, MBA
Mary Ann Makin
Peace River, AB
Financial Advisor/ Insurance Broker
Financial Advisor/Insurance Broker
Life insurance is an essential part of financial planning for the family. It protects the family in case something happens to a member of the family. Usually, of utmost importance is insuring the income earner member of the family.
The simplest type of life insurance is what we call "Term Insurance". Two characteristics of such type is the affordability of its premium vis-a-vis a bigger coverage. Usually, this is taken to cover the debts of the family during the income earner's productive life span.
Permanent Insurance is more expensive than a Term Insurance. However, it provides for versatility in terms of guaranteed premiums, level cost of insurance, cash value and surrender value.
Guaranteed Issue - Life Insurance
There are situations when we try to get insured and yet unable to, due to health reasons. There is still a recourse for this. You will need what we call a - Guaranteed Issue Life Insurance.
REGISTERED RETIREMENT SAVINGS PLAN (RRSP)
NON-REGISTERED RETIREMENT SAVINGS PLAN
REGISTERED EDUCATION SAVINGS PLAN (RESP)
TAX FREE SAVINGS PLAN (TFSA)
Group Benefit Plan
To retain and keep employees in your company, it requires an effective group benefit plan. It would typically include extended health care, vision care, prescription, dental care, group insurance, and disability. We can help you design a cost effective plan for your company.
Living benefits address, among other things, the loss income of oneself due to sickness or accident. Such benefits provide to reimburse medical expenses, replace loss of income, or simply provide for a lump sum amount to oneself.
This insurance is to replace lost income when one is unable to work due to disability, a consequence of sickness, and/or accident. It may be simplified or underwritten.
It pays a lump sum benefit amount to a person who has suffered a heart attack, stroke, coronary by-pass or cancer to name a few. The purpose of this insurance is to alleviate the burden to the survivor due to loss of income.
Long-Term Care Insurance
Fast forward, when one is too old to be able to take care of oneself, Long-Term Care Insurance will augment the benefits one can obtain from the health care system. Specifically, it is possible that one receives a monthly benefit from his Long-Term Care Insurance to augment other benefits.
Travel Insurance is aimed, among other things, providing reimbursement of medical expenses when one travels, spends time away from home, when one gets sick or possibly bring oneself back home.