Isabel Delaney

From confusion to clarity, one conversation at a time. Co-operators’ financial representatives are here to help you.

It’s Life Insurance Awareness Month so we’re breaking down the differences between the two main types of life insurance policies. Term life insurance covers you for a defined period (1-, 10-, 15-, 20-, 25- or 30-years) and is typically more affordable. It’s designed to protect your family for a specific, shorter-term need, like paying off a mortgage. It’s important to know that term policies generally offer lower initial premiums, but they may rise upon renewal. Permanent life insurance lasts your entire lifetime and builds cash value over time. While this policy type is more expensive, the longer you pay into your policy, the more its cash value grows. You can choose to flexibly utilize your permanent policy values as needed. In short: 🗓️Term = lower cost, temporary protection. ♾️Permanent life insurance= lifelong coverage, potentially builds cash value. The right choice depends on your stage of life. If you’re unsure of what you need, I can help you find the right solution. #LifeInsuranceAwarenessMonth #LifeInsurance #Legacy #Family

Our hearts are with those impacted by the ongoing wildfires across Canada. If evacuation orders are issued in your area, we encourage you to follow the instructions of local authorities and prioritize your personal safety. If possible, we encourage you to prepare a 72-hour emergency kit. A kit should include essentials like water, medications, non-perishable food, basic supplies, and important documents. If you need to make a claim, we’re here for you. You can start a claim by calling us at 1-800-387-1963 or use Online Services, available 24/7. https://www.canada.ca/en/public-health/services/emergency-preparedness/making-an-emergency-kit.html

Dollar cost averaging is a proven #investment strategy to help you ride out market fluctuations. With small, consistent contributions, you can grow your investments, over time. Just jump in, hold on, and hang in there. We can get you started.

Through Co-operators Community Funds (CCF), Co-operators is helping underserved individuals across Canada build brighter futures. 🌟 In 2024, CCF supported 59 organizations that help underserved youth and individuals facing mental health challenges build skills and find employment. One inspiring example is Stella’s Place in Toronto that offers free, comprehensive mental health services for young adults. Explore the 2024 CCF Annual Report to learn more about how Co-operators is creating more inclusive and resilient communities: https://www.cooperators.ca/en/about-us/sustainability/social-impact/co-operators-community-funds #ProudlyCanadian

How much life insurance do I need? Can be a tough nut to crack. Everyone’s answer (and life) will be different. Ask us and we'll figure it all out together. #life #insurance

Whether you have $50 or $500k to invest, let's get you where you want to go. Talk to us today!

Feel financially adrift? Whether you have $50 or $500k to invest, let's get you where you want to go. Talk to us today.

Winter predictions? Leave those to the groundhog. Long-term planning? Trust our Financial Representatives. #LifeInsurance #GroundhogDay