Our Solutions - Protecting What Matters!
FPHW is dedicated to providing a good defensive game plan.
Be ahead, Be secure, Protect your family & everything you worked so hard for!
Critical Illness Life Insurance
If you fell ill, could you afford it? Protect your Income with the right income protection plan that will allow you to focus on your health & recovery, not the additional costs of added medical and expenses that come with it. Critical Illness insurance provides you with the ability to focus on the future.
If you are self employed, your business is your life. Your involvement is critical for the future success of your business. Protection will allow you to provide funds to cover the business income shortfall until you are back up to speed.
Choose from a Term 10, Term 20, Term 75 (till age 75) or a Permanent Term 100 (till age 100).
Disability Insurance
Ensure that your loved ones will be protected through tough times. Your ability to earn an income is your greatest asset. If you are self employed, are you covered in something happens and you are unable to work? How long can you live on your savings if something should happen?
Tailoring an individual plan with your work and lifestyle situation will give you the peace of mind.
Education Planning
How to plan & save for your child's education, even if their plans change as they tend to do with kids! Having a strategy & the right tools is a powerful way to save for post-secondary education. Registered Education Savings Plans (RESPs), Canada Education Savings Grants (CESGs),
Tax-Free Savings Account (TFSA)
Building a strategy early will get grow your options.
Health Benefits Programs
Benefit plans for individual entrepreneurs, sole proprietors, farms. Having insurance and retirement plan set up ensures you’re invested in your future — which is one of the most crucial things you can do for yourself right now. When you’re starting a business, you want to be ready for the unpredictable. Our plan shows you how to build your own benefits package as a solo entrepreneur and walk you through the options that are available based on your personal needs.
Health Spending Accounts
COST PLUS PLAN
Are you incorporated?
Health Spending Account may be an option for your company needs. A health spending account acts like a bank account that employees can access to be reimbursed for eligible health and dental expenses.
As the employer, you choose how much each
employee gets in their account for each year. When
the employee or their family incurs an eligible
expense, they pay for it out of pocket, and then
they submit their receipt to the benefit provider
& are reimbursed for the expense. When the account gets to zero, they are no longer reimbursed.
The money you put in an employee’s health
spending account is a tax-deductible business
expense. Click HERE for more information on
what is an eligible expense.
Business Interruption Insurance
Nobody knows when you will need it. Business Interruption Insurance covers losses and is an all risk policy that protects against loss caused by any risk that is not specifically excluded from your policy. Options include Limited or extended indemnity. Additional coverage from incurred expenses that may affect your business. Coverage you need depends on the nature of your business. Discuss your business with one of our specialist TODAY!
Subscribe
Sign up to our newsletter and stay up to date