Services offered by David Gray & Co. Insurance Consultants Ltd.

	David Gray & Co.	Incorporated 1978
	Insurance Consultants Ltd.	www.davidgrayinsurance.com

	800 - 1185 W. Georgia Street, Vancouver, BC V6E 4E6	Member of ADVOCIS

Services: Insurance Services Offered by David Gray & Co. Insurance Consultants

Insurance Services Offered

		Employee Group Benefit Plans

		Life Insurance

		Critical Illness Insurance

		Disability Insurance

		Annuities and RRIF's

		GIC's Guaranteed Investment Certificates

		Group RRSP's and Pensions

		Segregated Funds


© 2004-2015 David Gray & Co. Insurance Consultants Ltd.

David Gray & Co.	Insurance Consultants Ltd.

An overview of the Insurance Services we offer our clients

We specialize in a wide variety of personal insurance options to cover your needs and offer you security.

Designing an insurance coverage plan is a lot more than just applying a formula to get the best rates. It's about selecting the best products and services, without overlooking the management of costs.

Our goal is to work with you to determine your needs and risk levels and then prepare coverage plans that will suit those needs in a complete and cost effective manner.

We work with and offer the full range of coverage options provided by the following companies: Manulife Financial, Canada Life, Standard Life, Desjardins Financial Security, Great West Life, Sun Life Financial, RBC Life, IAPacific Life, National Life and more

The following quick summaries lead to additional information about each type of coverage and why you might wish to consider each or a comprehensive package tailored to your specific needs

Employee Group Benefit Plans
	Through employee group benefit plans, we can offer complete coverage for groups from 2 up to 250 employees. Personal services provided through all the major Life Insurance carriers ...ask us for more info

Life Insurance
	Offering Family Insurance, Private Individual Life Insurance to fund home or business mortgages. Universal Life, Whole Life and other more permanent types of Life Insurance. Corporate owned business and keyman insurance. Estate planning, including taxes and charitable giving through life insurance. ...ask us for more info

Critical Illness Insurance
	Critical Illness Insurance offers varying degrees of coverage to meet your needs, including Lump sum pay out critical business coverage for up to 30 covered conditions. ...ask us for more info

Disability Insurance
	Personal and corporate disability coverages with all major insurers. ...ask us for more info

Annuities and RRIF's
	Annuities are part of an individual investment and are a series of regular periodic payments for a steady, reliable source of retirement income. We can help you select a plan that provides the best way to have your annuities provide you with the steady stream of income during your retirement years, while allowing you to defer taxes on your registered plan assets. ...ask us for more info

GIC's Guaranteed Investment Certificates
	As another form of individual investment, guaranteed funds include a wide range of term funds as well as a daily interest fund. Term funds from the major providers offer a secure, high interest alternative to GIC's and Canada Savings Bonds. We'd be pleased to help you make the choices needed to invest in term funds for Savings or Guaranteed RRIF and LIF policies. ...ask us for more info

Group RRSP's and Individual Pension Plans
	A Group Registered Retirement Savings Plan (RRSP) is a collection of individual RRSPs where routine administration is centralized. Plan Sponsors are not required to contribute to the Group RRSP. It offers members special benefits, such as favourable interest rates and lower investment minimums, which they would not normally receive individually. An Individual Pension Plan (IPP) is a defined benefit pension plan. It provides senior executives and business owners with the opportunity to achieve maximum tax relief combined with maximum retirement pension. The IPP is a sound business decision for both entrepreneurs and executives who have the income to support a more aggressive tax deferral arrangement. ...ask us for more info

Segregated Funds
	Offering a full range of invetsment plans with all major Life Insurance companies, including detailed evaluation of existing plans. ...ask us for more info

David Gray & Co.	Insurance Consultants Ltd.

Request more info or a meeting to discuss your options.

Contact: David Gray
	800 - 1185 W. Georgia Street, Vancouver, BC V6E 4E6
	Telephone: 604-329-4114 Facsimile: 1-888-514-3588
	email: info at davidgrayinsurance dot com

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