Devine & Associates Financial Services Inc

A relationship to value

Our experienced team understands the importance of protecting your loved ones and ensuring their financial well-being. We provide tailored life insurance solutions that fit your unique needs, offering peace of mind and financial security. With our expertise and personalized approach, we guide you through the process, simplifying the complexities of life insurance and helping you make informed decisions. Let us be your ally in safeguarding what matters most!

Term life insurance

Term life insurance provides coverage for a specific period, with affordable premiums and a straightforward structure. It pays out to beneficiaries upon the policyholder's death, offering financial protection for loved ones. It helps cover expenses like debts, mortgages, and education, bringing peace of mind during the policy term. Term life insurance is a flexible and cost-effective way to secure your family's financial future.

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Permanent life insurance

Permanent insurance, also called whole life insurance, offers lifelong coverage and grows a cash value over time. Benefits include lasting protection, tax advantages, and the ability to access accumulated cash. It provides peace of mind, financial security for loved ones, and potential estate planning benefits. Permanent insurance is a valuable asset within your overall financial plan, ensuring a lasting safety net.

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Mortgage protection insurance

Life insurance for your mortgage pays off your mortgage if you pass away. It provides financial security for your loved ones, allowing them to stay in the family home without worrying about mortgage payments. This coverage offers peace of mind, protects your family's finances, and preserves their home during tough times. Life insurance for your mortgage is an extra layer of protection, ensuring you fulfill your responsibility of providing for your family's future.

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Business insurance

Business life insurance protects businesses from financial losses if a key employee or owner passes away. Benefits include financial stability through income replacement, covering recruitment and training costs for replacements, ensuring business continuity, and preserving the business's reputation and relationships. It provides peace of mind, risk mitigation, and helps businesses navigate challenging times with financial security. Business life insurance is essential for safeguarding long-term success and the business's viability.

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Disability insurance

Disability insurance provides income replacement when you're unable to work due to injury or illness. It offers financial support, ensures you can meet obligations during disability, brings peace of mind, and acts as a safety net for maintaining your lifestyle. Disability insurance supports your well-being, allowing you to focus on recovery and remain financially stable.

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Critical illness insurance

Critical illness insurance offers financial protection by providing a lump-sum payment when you are diagnosed with a serious illness like cancer, heart attack, or stroke. It relieves the burden of medical expenses, allowing you to focus on recovery. With peace of mind and flexibility in fund usage, critical illness insurance acts as a safety net, providing valuable financial support during challenging times.

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Personal health insurance

Personal health insurance covers medical expenses and services not covered by government health plans. Benefits include timely access to healthcare, coverage for prescription drugs, specialized treatments, and flexibility in choosing providers. It provides peace of mind during health issues, customizable coverage, and ensures necessary care without financial burdens for you and your family.

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Long-term care insurance

Long-term care (LTC) insurance covers the costs of long-term care services like nursing homes and in-home care. Benefits include financial protection, preserving savings, ensuring quality care, and providing peace of mind for you and your loved ones. LTC insurance creates a safety net, allowing you to maintain control and dignity as you receive necessary care in your later years.

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