Plan Today to Protect TomorrowThere are many predictable



changes most of us experience in our lives. Parenthood, buying a house,

entering or leaving the workforce, health challenges and relationship

changes are all examples of regular life transitions. Effective financial

security planning will prepare you financially for those life transitions.

Risk products like life insurance are the foundation of a sound financial

security plan. Life insurance's primary goal is clear: to protect assets

and future income from catastrophe and to provide financial security at

death. However, life insurance also adds value in other aspects of your

life. RetirementMost Canadians look forward to retirement, with the hope

of traveling the world or starting their own business. However, some

don't always have an effective retirement plan in place to achieve those

goals.A permanent life insurance policy allows you to accumulate cash

values inside the life insurance policy, within certain legislative

limits, without paying income tax on the growth. The cash value can be

accessed to provide a retirement income. You may be able to use the

policy as collateral for a consumer loan or the cash values could be used

to help finance a business opportunity, protect your spouse's lifestyle or

provide3 income to pay for long term care. As well, the combination of a

single-life annuity pension and a permanent life insurance policy can

maximize your pension income and provide future funds for a surviving

spouse after your death.

Agata Kozlowska - www.agatakozlowska.com -

agata.kozlowska@freedom55financial.com