With a myriad of term, whole-life and universal options available, life insurance can be an intimidating purchase for many individuals. ELM Life & Group Management Inc. guides you through the process, optimizing the value of your policy by taking the time to understand your goals and financial capabilities.
Disabilities can prevent you from working and cause severe financial stress. Stay secure and guard against unexpected costs with a long-term disability insurance policy from ELM. We explore your options and explain every policy feature, providing you with the knowledgeable assistance you need to make an informed decision.
A Registered Education Savings Plan, or RESP, is an investment vehicle available to parents in Canada to save for their children’s post-secondary education. The principal advantages of RESPs are the access they provide to the Canada Education Savings Grant (CESG) and as a method of generating tax-deferred income.