PERSONALIZED LIFE INSURANCE SOLUTIONS

John Hayes manages TCPW’s Life Insurance and Living Benefits Team. At TCPW we realize that each of our clients come to us with unique and different objectives, but they all have the need for strategic risk management. We will assist you in finding solutions to protect your income against a debilitating illness, help you plan for maintaining your business operations while you are absent, prevent the over-taxation of your estate and provide tax sheltering solutions for you and your corporation while you are living.

We will sit down with you and your family or Management Team and evaluate your insurance requirements and goals. This will help us determine which products best fit your needs. John’s strong tax and financial planning background ensures that the strategies we employ fit well within your budget and we will provide a full financial plan for you, this is key to determining the need for any insurance solution.

individual life insurance and living benefits risk management

We represent numerous insurance companies across all product lines and therefore can make objective recommendations that will always put your needs first. With a combined 38 years of experience in the industry, our team has the knowledge base to search out the most innovative solutions. Contact john.hayes@terracottawealth.com for more information

AREAS WE WILL BE ABLE TO ASSIST YOU IN INCLUDE:

  • Life Insurance – Term, Whole Life and Participating Life including Insured Retirement Plans
  • Disability Insurance
  • Business Overhead Insurance and strategies to fund Buy/Sell agreements
  • Critical Illness Insurance
  • Long Term Care
  • Individual and Family Health Plans
  • Travel Medical Insurance

OUR SOLUTIONS WILL HELP YOU SOLVE YOUR NEED TO:

  • Leave a bequest for charity
  • Supplement retirement income
  • Mortgage protection
  • Funding a child’s education
  • Preserve an estate from erosion by taxation
  • And for business owners, provide Buy/Sell funding and Key Person Protection

Contact us and let us begin assisting you and your family today.