Products and Services
Estate Planning
Registered Retirement Savings
Individual Pension Plans
Registered Disability Savings Plans
Guaranteed Retirement Income
Registered Education Savings
Tax - Free Savings Accounts
Employee Benefit Plans
Business Succession Planning
Life Insurance
Disability Insurance
Critical Illness Insurance
Resources and Links
Affiliated Links
Life Insurance

    A Life Insurance Policy is a Contract between you and a Life Insurance Company that specifies that the Insurance Company will provide either a Stated Sum or a Periodic Income to your designated Beneficiaries upon your Death. It can allow a Person to create an Estate for their Family for very little Cost.

    Life Insurance can be used for many Purposes :

  • Pay Final Expenses
  • Liquidate Loans and Mortages
  • Replace your Earned Income
  • Provide Capital for Bequests to Relatives, Charitable Organizations, etc
  • Fund Buy-Sell Agreements

  • Types of Life Insurance :

    There are essentially three Types of Life Insurance:

  • Term
  • Whole Life
  • Universal

  • We can provide an indepth Analysis of your Life Insurance.

          Please contact me today:

          Ronald C. Sparkes, CFP,CLU,CH.F.C.
          Chartered Financial Consultant

          Bus:    +1.709-576-1669
          Cell:    +1.709-682-3100
          Fax:    +1.709-576-1832