Barclay Insurance
Individual Insurance
At Barclay Insurance, we care about the personal and financial security of our clients and their families. We understand the dynamic nature of your financial situation, needs, and goals, and provide personalized insurance policies and programs that keep up with the changes in your life.
Life Insurance
The traditional purpose for life insurance has been to provide financial support to those that depend on you in the event of a premature passing. However, life insurance has since become so much more, now an integral part of an individual’s investment portfolio, retirement plan, and succession plan. Life insurance should be a solid cornerstone of your personal financial plan, and we can help craft a solution that protects and provides for you and your family.
Grab a quick coffee with Eric or John today to see how life insurance fits into your portfolio.
Disability Insurance
Disabilities come in many shapes and sizes, and not all of them can be seen on the surface. Disability insurance works when you can’t. If an illness or injury prevents you from working, disability insurance steps in to give you a monthly income to help cover some of your expenses. Should you be unable to work for an extended period of time without disability insurance, your income could drop to zero leaving you vulnerable to significant financial hardship and a lack of ability to pay yours bills. Barclay Insurance can help customize a disability plan that provides long term protection for you and your family.
A Return of Premium rider is available on disability policies so you get the protection you need, and if you don’t make a claim, you get 50% of all premiums paid back.
Critical Illness
While advances in medicine have led to a higher survival rate of major critical illnesses such as a cancer and heart attacks, the cost of recovery has also risen steadily. Time off work with or without a disability plan can be very costly, while prescription drugs and other medication with or without a health plan can also be extremely expensive. Critical illness insurance provides you with money you can use however you like while recovering from a major illness. A lump sum benefit is payable upon diagnosis of a covered life-threatening illness which offers the financial assistance needed during a very difficult time, allowing you to focus on recovery.
A Return of Premium rider is available on critical illness policies so if you don’t make a claim during the life of the policy, you get 100% of your premiums back.
