CHAPPELL &
STONE INSURANCE AGENCIES INC.
Serving Toronto and the
Greater Toronto Area
(GTA), Ontario
Does choosing an insurance policy frustrate you?
Are you looking for Disability insurance, Critical
Illness insurance, or Long-Term Care insurance (Living Benefits)?
I'm here to help.
I am passionate about Living Benefits. Living Benefits are made up primarily of Disability Insurance, Critical Illness and Long Term Care Insurance. These are benefits you receive during your lifetime. I have committed over twenty-one years of my career to this special field of insurance.
Here's why you need Living Benefits - Let's begin by asking the following question.
What is your greatest asset?
Answer: Your ability to earn an income, generate and maintain wealth.
It's worth more than you think. In fact, it's worth millions of dollars over
the course of your entire career.
Did you know that 62.5% of your premiums can be refunded tax free if you have no claims? This refund is available at the end of every eight year period.
I have refunded over $2.5 million in Disability insurance premiums through the
largest insurance carriers in Canada. My clients took my advice; they did not have to cancel their policies after receiving the refunds and their premiums remained the same!
How do you choose the right insurance policy given the ever-evolving tax
environment, government benefits, and the array of products designed to offer
solutions? Does the overabundance of insurance policy choices overwhelm you?
What about the legal language of an insurance policy - do you find this
difficult to understand?
I will carefully guide you through our policies to help you to
choose the right coverage to perfectly suit you and your individual needs.
About Ron:
Ron Fredericks, a leading associate with Ontario East Insurance Agency, placed first in Canada in income replacement sales with Manulife Financial (The Manufacturer's Life Insurance Company) in 2007 Ron's dedication to the sale of the product line also resulted in his premier ranking for the 12th consecutive year for income replacement sales.
Ron is a strong believer in specialization, and his focus on Living Benefits has allowed him the leverage to align with other specialists in the field of financial planning. In Ron's perspective, this approach enables him to successfully meet a wide range of client needs.
