.png)
Products + Services
From opening accounts to developing a comprehensive financial plan, we have the tools to help you achieve your goals and objectives. We provide a full suite of life insurance and investment planning services. Every client has unique circumstances, and our agents work one to one to provide the best services and solutions possible.
Life Insurance
Term Life Insurance
Many people question whether they truly need the protection that life insurance offers.
Life insurance is an investment in the future of your family. Life insurance provides guaranteed protection and ensures that your loved ones won’t bear the burden of unpaid debt, coupled with the loss of income.
At Feller Financial, we’re a family — we understand your needs and specific circumstances. Most of all, we know all too well that life can change in an instant. That’s why we’re committed to providing families like yours with the right support and protection. Secure the future of your family with a guaranteed and comprehensive life insurance plan.
Term life insurance is savvy insurance that’s simple and affordable to maintain. Its key advantage is a fixed amount of insurance coverage for a specific period.
In the event of an untimely passing, term life insurance provides your beneficiaries with a tax-free benefit. Whether you simply want a base amount to cover immediate expenses or you want to upgrade to increased coverage at a later time, term life insurance provides customized protection for your changing needs.
Mortage Insurance
Permanent Life Insurance
Permanent life insurance is a smart investment that grows along with your needs and lifestyle.
An early investment provides a key advantage in long-term savings as premiums often remain the same. But that’s not all; your permanent life insurance contributions can be paid up in as low as eight years, with the most common term being twenty years. After a while, coverage is guaranteed – essentially, it’s paid for life.
Mortgage insurance works by paying off the outstanding principal balance of your mortgage, up to a certain amount, if you pass on.
With mortgage insurance, the money goes directly to the bank or lender to pay off the mortgage – and that’s it. There’s no extra money to cover other expenses, and you don’t get to leave any cash behind to your beneficiaries. With individual life plans, you can own and control the plan, as well as where your funds will go.
Estate Planning
Many of us understand the importance of life insurance, the reality is that insurance against an accident or disease that prevents you from working is arguably ever more important.
There are two main options: long-term disability (LTD) and critical illness (CI) policies. Both pay you money in case of an illness or disability, but they do it in different ways. Disability insurance provides a monthly income if you’re unable to work due to a serious injury or illness, while critical illness insurance pays out a tax-free lump sum payment following the diagnosis of one of twenty-five illnesses covered by your policy. We help ensure you and your family are protected in the event of an accident or critical illness.
Disability Insurance + Critical Illness Insurance
Segregated Funds
By planning for tomorrow today, you can retain more of your assets, protect your estate and leave a lasting legacy for your family. Given the wide range of objectives you may wish to achieve, proper estate planning requires careful consideration of many factors. An estate plan can reduce the taxes and expenses of an estate, simplify and speed up the transition of assets to your beneficiaries and ensure that beneficiaries are protected. Let our advisors make the most out of your estate.
Mutal Funds
A mutual fund is an investment vehicle made up of a pool of funds collected from many investors to invest in securities such as stocks, bonds and equities.
Mutual Funds provide a convenient way to diversify and grow your investments over the long term, offering you the option to either receive or re-invest the earnings from the shares. Mutual funds allow shareholders to sell their shares at any time. We specialize in matching the right mutual funds to your needs and objectives.
These are funds sold by mainly insurance companies. This means to buy a segregated fund; you have to purchase it directly from an insurance specialist.
The fund consists of individual, variable insurance contracts that offer certain guarantees and advantages not available in traditional mutual funds. These funds include a guarantee to protect part of the money you invest, covering 75% to 100%. Funds are creditor and bankruptcy protected and bypass probate and estate fees. As insurance specialists, we can help you invest in segregated funds.
Registered Education Savings Plan - RESP's
A Registered Education Savings Plan (RESP) is a government-registered plan that helps you save for a child’s post-secondary education.
The federal and provincial governments offer grant and incentive programs ‑ without impacting your RESP contribution room. You can contribute up to 50K per child, and there are no taxes payable on the money earned in an RESP until it’s withdrawn. We can help you discover how tax-sheltered growth in an RESP can build a post-secondary education fund for your children.
Tax-Free Savings Account - TFSA's
A Tax-Free Savings Account (TFSA) is a registered investment savings account that allows for tax-free growth. A TFSA can be used for any savings goal and withdrawals can be made free of tax, today, tomorrow or whenever you need, always tax free. The amount of money that can be contributed to a TFSA is limited each year.
Registered Retired Savings Plan - RRSP's
A Registered Retirement Savings Plan (RRSP) is an account, registered with the federal government, that you use to save for retirement. RRSPs have special tax advantages.
RRSPs are tax-deferred, meaning any money contributed will earn tax refunds in the year the deposit is made. It will only be taxed years down the line when it is withdrawn. RRSPs are well known as a way to cut down a current-year tax bill. Your tax shelter interest you make, grows tax shelters as well.
Tax-deferred doesn’t mean tax-free eventually taxes will have to be paid when the money is withdrawn years down the line in retirement your incomes will certainly be lower and, thus, tax rates will be lower than they currently are today.
Guaranteed Investment Certificate - GIC's
A GIC works like a savings account in that you deposit money into it and earn interest on that money. The difference is that you need to leave your money in a GIC account for a specified period. If you take it out early, you may have to pay a penalty – depending on the type of GIC you own.
When you buy a GIC, you are agreeing to lend the bank or financial institution your money for a specified number of months or up to 5 years. In exchange, your money will earn interest. The longer the term, the more interest you earn. At the end of the term, you get the entire amount you deposited plus the interest. We can help you determine which GIC’s are best suited for you.
Are You Ready to Book a
Discovery Meeting
Our goal at Feller Financial is to help you create a roadmap that reflects your values, dreams, and the vision you hold for you and your family's future.
Whether you are investing to build wealth, protecting your family, or preserve your assets, our personalized service focuses on your needs, wants, and long-term goals.
Every client has unique circumstances, and our associates work one to one to provide the best services and solutions possible.