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  • Steven Cohen Insurance Agency
    advice in order to determine how much coverage you may require as well as what type of insurance is appropriate for you There are 2 main forms of life insurance Term and Permanent Term Insurance Term Insurance is a temporary product that provides coverage for a fixed period of time The cost either increases periodically until the expiry date such as 10 Year Renewable Term or can be purchased with a level cost to the expiry date All programs that we recommend can continue to the expiry date usually age 80 without having to provide further medical evidence of good health These plans are also convertible to lifetime insurance without any further medical evidence Generally Term policies provide the maximum amount of insurance coverage for the least amount of premium The primary limitation is that Term plans do eventually expire Permanent Lifetime Insurance These types of policies continue at a fixed cost for the entire duration of one s life There are essentially 2 types of permanent lifetime insurance There are bundled products which combine life insurance and a savings component The insured must maintain a continual premium in order to achieve the desired result These are traditional Whole Life style products which either have guarantees of cash value throughout or where there are variable premiums and cash value which depend on the performance of the insurer s general investment fund The other type of permanent insurance is an un bundled product where there is a separate pure insurance cost with the option of adding a cash value component to the plan As with all life insurance the advantage of accumulating cash inside a policy is that the investment returns are tax sheltered while the funds remain within the policy Universal Life policies require that you maintain the lifetime premium

    Original URL path: http://www.stevencohenins.ca/life_ins_detail.html (2016-04-26)
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  • Steven Cohen Insurance Agency
    378 129 11 958 993 45 1 983 957 3 174 332 5 951 872 The maximum integrates with other disability coverage you may have If you have group insurance and want better plan definitions you can purchase a second payor individual disability policy at a discount The plan pays if your group insurance will not because of limitations in its definitions Of course you still have to qualify to collect under the second payor plans For example if you have a heart attack and can return to work on a part time basis before your group insurance waiting period has expired most group plans will not cover you However a second payor plan with 1st day residual coverage will provide you with benefits as long as you are residually disabled beyond the waiting period and have loss of income and occupational duty limitations The individual policy benefits continue as long as there is an insurable loss As with individual policies second payor plans are fully portable This applies in cases if you lose your job or have stopped working for a period before age 65 If you have a plan it will pay benefits if you become disabled whether or not you had a job or employment income at the time There are maximum issue limits based on your income as well as other insurance that you may have For example If you earn 60 000 00 per year you can purchase 3 450 00 per month on a non taxable basis If you earn 100 000 00 per year you can purchase 5 100 00 per month on a non taxable basis In order to qualify for Long Term Disability Insurance you would have to supply satisfactory evidence of insurability when purchasing a plan Persons with pre existing

    Original URL path: http://www.stevencohenins.ca/long_term_detail.htm (2016-04-26)
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  • Steven Cohen Insurance Agency
    lifetime 60 will survive more than 5 years 1 in 4 people will suffer from Heart Disease 90 survive their first Heart Attack 1 in 20 people will suffer a Stroke prior to age 70 80 will survive a first Stroke Ref Heart Stroke Foundation Canadian Cancer Society Critical Illness insurance is designed specifically to help with the financial needs associated with recovering from a serious illness Plans provide a lump sum tax free benefit in the event that you are diagnosed with any of the covered conditions The benefit is paid after a 30 day survival period and can be used in any way you choose Replace lost income for self and spouse caregiver Repay your mortgage and other debts Gain access to private medical services or treatment outside Canada Private nursing home care and childcare services Take an extended vacation Make modifications to your home and or vehicle Maintain your lifestyle and retirement planning You select the amount of tax free benefit from between 25 000 and 2 000 000 While the terms and conditions of some plans may vary most Critical Illness policies provide coverage for the following illnesses surgical treatments and conditions Cardiovascular Aortic Surgery Coronary

    Original URL path: http://www.stevencohenins.ca/critical_detail.html (2016-04-26)
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  • Steven Cohen Insurance Agency
    to an active lifestyle or living with the constant worry of not surviving long enough to receive treatment Wait List Insurance provides a choice Originally developed as an executive benefit this plan is available for both individuals and groups For employers it is an affordable addition to an existing benefit plan or a stand alone benefit for companies or small businesses without benefit plans Studies indicate that the productivity and bottom line results suffer when employees become unavailable or restricted in their activities while waiting for medical services Wait List Insurance provides an affordable solution to potential labor shortages due to illness or injury As a policyholder if you have an appointment to see a specialist or for diagnostics or surgery more than 45 days from the date of your doctor s notification to you this policy will expedite your diagnosis and treatment in the United States or Canada when services are available Did you know Common wait times for a Heart Bypass are in excess of 1 year The average wait time for a CT or MRI scan is 3 to 6 months You could wait more than 2 years for a Hip or Knee Replacement Ref The Fraser Institute Dec 2007 You can select a doctor and or hospital from a list and the insurer will schedule appointments coordinate the required surgery or diagnostic procedure and make any travel arrangements if necessary Imagine your peace of mind in knowing that you will receive the timely premium health care you deserve provided by the leading physicians in their field using the finest state of the art facilities Plan Highlights of Wait List Insurance Coverage is provided for approved consultation diagnosis and surgery when a plan member is placed on a medical waiting list longer than 45 consecutive days Once

    Original URL path: http://www.stevencohenins.ca/wait_list_detail.html (2016-04-26)
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  • CANADIAN EMPLOYEE RELOCATION COUNCIL
    available through an employer group benefit plan Yes this program is also available as a group product for businesses with 2 or more employees This includes sole proprietors partnerships unions corporations or professional corporations How much coverage does the plan provide This policy has a lifetime maximum of 1 000 000 per individual Will my premium increase if I make a claim No Wait List Insurance premiums are rated according to your age and the type of coverage you choose e g single couple single with children or family Are there any co payments or deductibles No Payment of your monthly premium is all that is required All claims are settled on your behalf directly with the service provider I have a pre existing condition Does this exclude my participation in the program No Any conditions that you have suffered within the 2 year period prior to taking out the policy will automatically be waived after your policy has been in effect for 24 consecutive months Will I need a medical exam No medical exam is required Simply complete the application form Who can purchase this coverage Enrolment is currently available to age 74 with coverage to age 75 Additionally groups with 20 or more participants may apply to cover retired employees Does this plan replace my current provincial health plan No Wait List Insurance was designed the assist the public health care system by providing supplementary coverage to the provincial health plan Will this plan cover me while I am abroad The policy covers you while you are a resident of Canada and placed on a Canadian medical wait list For medical coverage when abroad we can help you find a separate travel insurance policy Does Wait List Insurance comply with federal and provincial health acts including the Canada

    Original URL path: http://www.stevencohenins.ca/faqs_detail.html (2016-04-26)
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  • Steven Cohen Insurance Agency
    Blanc Roussanne 2014 Cotes Du Roussillon France 16 95 CSPC code 175232 Wakefield Estate Chardonnay 2014 Clare Valley Adelaide Hills Australia 14 95 CSPC code 711556 Casa Silva Cool Coast Sauvignon Blanc 2014 Colchagua Valley Chile 16 95 CSPC code 419812 Mallory Benjamin Talmard Macon Uchizy 16 95 CSPC code 733956 Red Wine Gundlach Bundschu Mountain Cuvee 2012 Sonoma California 19 95 CSPC code 397521 Wakefield Estate Cabernet Sauvignon 2013 Clare Valley Australia 17 95 CSPC code 744235 Pico Vine Pinot Noir 2013 Russian River Valley California 26 95 CSPC code 438549 Te Kairanga Pinot Noir 2013 Martinborough New Zealand 26 95 CSPC code 744948 La Ferme Du Mont Premiere Cote 2013 Cote Du Rhone France 15 95 CSPC 251645 Fattoria Dei Barbi Brunello Di Montalcino 2010 Tuscany Italy 49 95 CSPC code 928028 Vinessens Sein 2011 Alicante Spain 16 95 CSPC code 391896 November December 2015 White Wine Tawse Limestone Ridge North Riesling 2013 Niagara Ontario 21 95 CSPC code 431593 Cloudy Bay Chardonnay 2012 Marlborough New Zealand 35 95 CSPC code 359519 Vignerons De Buxy Bussionier Montagny 2013 Burgundy France 19 95 CSPC code 382897 Mountadam Estate Chardonnay 2013 Eden Valley Australia 23 95 CSPC code 333211 Wither Hills Sauvignon Blanc 2014 Marlborough New Zealand 19 95 CSPC code 919514 Henry of Pelham Cuvee Catherine Estate Carte Blanche Sparkling 2010 Niagara Ontario 44 95 CSPC code 315200 Red Wine Pedroncelli Three Vineyards Cabernet Sauvignon 2012 Sonoma California 25 95 CSPC code 431866 Barossa Valley Estate Ebenezer Shiraz 2008 Barossa Valley Australia 39 95 CSPC code 971705 Seresin Momo Pinot Noir 2013 Marlborough New Zealand 19 95 CSPC code 163972 Stefano Farina Le Brume Langhe Rosso Piedmont Italy 16 95 CSPC code 360073 Borsao Tres Pico Garnacha 2013 Campo De Borja Spain 19 95 CSPC 273748 Dandelion Vineyards Lioness of McLaren Vale Shiraz 2013 Australia 19 95 CSPC code 357475 Tedeschi Capitel San Rocco Ripasso Valpolicella Superiore 2013 Italy 21 95 CSPC code 719294 October 2015 White Wine Tawse Sketches of Niagara Riesling 2014 Niagara Ontario 17 95 CSPC code 89029 Trimbach Riesling 2012 Alsace France 21 95 CSPC code 734517 Domaine Des Deux Roches Les Terres Noires Saint Veran 2013 Burgundy France 26 95 CSPC code 429068 Jane Ventura Reserva De La Musica Brut Nature 2010 Spain 17 95 CSPC code 420364 Zolo Torrontes 2014 Mendoza Argentina 14 95 CSPC code 183913 Alkoomi White Label Semillon Sauvignon Blanc 2014 Western Australia 16 95 CSPC code 428383 Red Wine Susana Balbo Signature Cabernet Sauvignon 2013 Uco Valley Argentina 19 95 CSPC code 260919 Atalon Pauline s Cuvee 2012 Napa Valley California 36 95 CSPC code 432310 La Crema Pinot Noir 2013 Willamette Valley Oregon 34 95 CSPC code 385757 Adanti Sagrantino Di Montefalco 2007 Umbria Italy 35 95 CSPC code 424762 J L Chave Mon Coeur Cote de Rhone 2013 France 21 95 CSPC 995548 Black Stallion Cabernet Sauvignon Napa Valley California 32 95 CSPC code 256768 Franco Espanolas Rioja Bordon Gran Reserva 2005 Rioja Spain 22 95 CSPC

    Original URL path: http://www.stevencohenins.ca/steve_wine.html (2016-04-26)
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  • Steven Cohen Insurance Agency

    (No additional info available in detailed archive for this subpage)
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  • Steven Cohen Insurance Agency

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