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 * GROUP BENEFITS
 * SERVICES
   * Life Insurance
   * Critical Illness Insurance
   * Disability Insurance
   * Long-Term Care Insurance
   * Annuities
   * Personal Health & Dental Plans
   * Health Spending Account (HSA)
   * Investments
   * Mortgage Insurance
   * Travel Insurance
 * ABOUT US
 * TESTIMONIALS
 * CONTACT US
 * BOOK APPOINTMENT NOW
 * BLOG

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 * GROUP BENEFITS
 * SERVICES
   * Life Insurance
   * Critical Illness Insurance
   * Disability Insurance
   * Long-Term Care Insurance
   * Annuities
   * Personal Health & Dental Plans
   * Health Spending Account (HSA)
   * Investments
   * Mortgage Insurance
   * Travel Insurance
 * ABOUT US
 * TESTIMONIALS
 * CONTACT US
 * BOOK APPOINTMENT NOW
 * BLOG



SecurePlan HomeKyle Du Preez2021-10-20T14:46:27+00:00

Secure PlannerContact UsPlan For the UnexpectedDon't Like Surprises?It's All
About Protection. Do you and your loved ones have easy access to critical
information in case of an emergency? We can help you! Keep your critical
information all in one safe place. Download our SecurePlanner for FREE! The
SecurePlanner Contact us today! Reach out to us! We would love to discuss your
lifestyle and insurance needs. No high pressure sales tactics. We simply educate
you on making the best decison for you.
We proudly serve the Niagara, Grimsby, Hamilton and Burlington regions. Not
local? We also provide solutions for the rest of Ontario. Jeff Romansky CHS,
CPCA & Principal We give you personalized advice that is based strictly on your
own needs and wants. This approach allows you to make an educated decision on
the right insurance plan designed to protect what matters to you. Learn More >
Plan For The Unexpected. Don’t underestimate the importance of understanding
your current group benefits. You likely do not have the coverage you hope to
have. Let us help protect what matters to you with a free review of your current
group benefits. Learn More > Don't Like Surprises? You owe it to yourself to
understand how you can protect your most valuable asset – the ability to earn an
income. Let us help you understand how insurance can be used to protect what
matters to you. Learn More > It's All About Protection.



Secure PLannerPlan for the unexpectedDon't like surprisesIt's all about
protection Do you and your loved ones have easy access to critical information
in case of an emergency? We can help you! Keep your critical information all in
one safe place. Download our SecurePlanner for FREE! The SecurePlanner Jeff
Romansky CHS, CPCA & Principal We give you personalized advice that is based
strictly on your own needs and wants. This approach allows you to make an
educated decision on the right insurance
plan designed to protect what matters
to you. Learn More > Plan For The Unexpected. Don’t underestimate the importance
of understanding your current group benefits. You likely do not have the
coverage you hope to have. Let us help protect what matters to you with a free
review of your current group benefits. Learn More > Don't Like Surprises? You
owe it to yourself to understand how you can protect your most valuable asset –
the ability to earn an income. Let us help you understand how insurance can be
used to protect what matters to you. Contact us today! It's all about
protection.




SECUREPLAN INSURANCE SOLUTIONS IS AN INSURANCE BROKERAGE SPECIALIZING IN GROUP
BENEFITS AND INDIVIDUAL INSURANCE SOLUTIONS FOR PROFESSIONALS, EXECUTIVES AND
OWNER-MANAGED BUSINESSES.



Book Appointment Now




GROUP BENEFITS



Benefits are a tax-effective way to compensate your employees and it’s something
that your employees value.   It’s our job to care about your benefits program to
ensure that you are always providing the best possible coverage to your
employees that your budget allows.


Learn More



PROTECTION



Protect your family from the financial impact that a premature death or
unexpected illness would cause. Afford you and your loved ones the peace-of-mind
that if something unexpected were to happen, you and your family would be
financially secure.


Learn More



ESTATE PLANNING



Tax-effective insurance strategies can help protect and maximize the value of
your assets that you wish to pass on to your family, favourite charity or other
beneficiary. This is done by minimizing the tax you pay on investment growth, as
well as those payable when you die.


Learn More






THE SECURE PLAN PROCESS





From planing to execution – we’re there for you every step of the way




THE NEEDS ASSESSMENT

The only way we can truly help you is by fully committing to understand your
situation which allows us to put ourselves in your shoes. Once we understand the
situation from your perspective, we can take our knowledge and give you tailored
advice based on your needs and wants.

Our process is structured around a consultative approach to help you better
understand all of your options when it comes to insurance. This approach allows
you to make an educated decision on the insurance plan that you feel is most
important to you and your family.

During this assessment, it would be helpful for you to have readily available
details on the following:

 * Group Insurance
 * Individual Insurance
 * Mortgage and/or Creditor Insurance
 * Current and past health history
 * Past two years of financials (both personal and business)

Having this information during the needs assessment will help us ensure that all
the advice we are giving to you is based on facts rather than assumptions. As
your advisor, we will take the time to ensure that you understand how your
current coverage works to make sure it fits into your insurance plan.

IDENTIFYING TYPES OF COVERAGE NEEDED

Once the needs assessment has been completed, we will share with you what types
of insurance coverage that matches your current situation. Very rarely does a
client need only one type of coverage today. It makes sense to take care of the
now while having a plan in place that can take care of future needs as your
situation evolves.

Our plans will also point out which types of coverage will be needed in the
future, illustrating how your current policies can change to meet that future
need.

THE ANALYSIS

This is done behind the scenes once we know which types of insurance make the
most sense for you. There are many different products, each offering their own
unique advantages in the market. We compare these different products to identify
which insurance carrier will offer you the most value for your hard earned
dollar.

Being a brokerage, we have the ability to shop the market in order to find you
the best insurance plan for your situation. Past health history, financials or
individual concerns could all be factors leading up to why one carrier in
particular may be optimally suited for your situation.

THE ADVISORY STAGE

Now that we have an in-depth understanding of what you are looking for and which
carriers would be best suited to you, it’s time to sit down together to review
the plan and make final decisions. Our approach is to allow you to choose from
different levels of coverage based on your needs, wants and budget for each type
of solution.

With our guidance, you can choose how to best allocate your dollars towards the
insurance plan.

THE UNDERWRITING STAGE

Majority of the time, it is your health that purchases the insurance. Typically,
it’s too late to purchase adequate coverage once you know you need it. It’s like
trying to buy collision coverage after the car accident already happened. We
will work with you to create realistic expectations on what the decision would
most likely look like. The underwriting process can take up to three months,
sometimes longer.   Qualifying applicants do have the option to be covered
during the underwriting process.

The underwriter evaluates information and resources to determine how and if you
qualify for coverage. Some of these resources include:

Policy Application

 * Integral document for the underwriting process as it will be attached and
   incorporated into the insurance contract. As an advisor, we take special care
   with its accuracy as it is in the best interest of the client and the
   insurance company.

Telephone Interview – Personal History Interview

 * It is an important part of the application process and is a standard
   component of the underwriting process. It is conducted by a trained
   interviewer and usually takes between 15-30 minutes. Questions will relate to
   personal, financial and medical aspects of the application.

Medical History and Examinations

 * These may be required and are based upon the type of insurance in which the
   client is applying for. Medical tests can include:
   * Collection of blood and urine
   * Vitals
   * EKG
   * Stress EKG
   * Inspection Reports/Questionnaires
   
   There is sometimes supplemental information that may be required for
   insurance applications. Inspection reports are usually only required for
   larger cases and are completed on an as needed bases. Questionnaires may be
   required when underwriting requires further information on avocation,
   drug/alcohol usage, medical issue, ex-back pain, recreational activities, and
   travel history.

Motor Vehicle Report – Drivers Abstract

 * A driver abstract contains information from numerous sources concerning an
   individual’s driving history and is sometimes required by the insurance
   company. A client with a number of violations increases so does the
   likelihood of accident or disability. If the applicant has a poor driving
   records, this may not represent a standard risk.

Medical Insurance Bureau (MIB)

 * The MIB maintains an extensive database of medical information and
   occupational risks on clients for life and living benefits insurance. MIB
   data is reported by member companies in code form so as to preserve the
   confidentiality of the files contents. The database contains no details about
   the client. Underwriters use the MIB to compare its file against the
   information contained in the application of the client.

Insurance Advisor

 * The most essential part of the process for the advisor is to ensure accurate,
   thoroughness and honesty when completing the application. We take pride to
   ensure that all responses are recorded with exactness and totality. Accurate
   applications help expedite the insurance process and provide the underwriting
   department with an informed understanding of the client.

INSURANCE MEDICAL

In some cases, you would be required to complete a blood sample and/or urine
test. Here are some tips to help you get the best results:

 * Try to arrange for the medical first thing in the morning.
 * Get a good night’s rest the night before the exam (especially for
   hypertension).
 * Refrain from any heavy exercise for 24 hours before the exam. It can increase
   the protein in your urine.
 * Do not consume any form of alcohol for at least 48 hours before the exam.
 * If possible, fast 12 hours before the blood profile.
 * Do not consume any form of caffeine, food or beverage (except water), for at
   least 2 hours before the exam. This could increase your blood pressure.
 * You should not smoke for at least 2 hours before the exam. This can increase
   blood pressure.
 * If you are taking prescription medication(s), you should continue to take
   them as prescribed. All prescription medications should be brought to the
   exam for reference.
 * You should avoid any non-prescription medications such as cold remedies, pain
   relievers, and herbal remedies for at least 24 hours prior to the exam. They
   can increase your blood pressure.
 * Try to drink 2 glasses of water 1-2 hours before the exam. You need to be
   well hydrated for kidney function.
 * If you are ill at the time of the exam, reschedule for a future date when you
   are fully recovered.
 * Contact us if you are under a lot of stress around the time when the exam is
   scheduled. Life stresses such as a death in the family, work stresses, family
   upset, etc. can affect your results. Even if it is the day of the medical
   exam, reschedule the appointment for a later date.

Your cooperation will make the examination process more effective for the
insurance company, create fewer problems for your application, and help expedite
the process.

POLICY STATEMENT

Once we have an offer from underwriting, we will meet once again to go over the
finer details of the policy to ensure you understand how it works. At this time
you will need to accept or reject the offer. Typically, you would only reject
the offer if you do not feel a good offer was made. Even if that was the case,
we would usually recommend taking the standing offer while we go back to the
market to see if a better offer could be given from another carrier.

Here are some of types of offers you would see:

 * Standard – approved for exactly what you applied for.
 * Rated – approved, but at an additional cost due to increased risk
 * Exclusions – approved with a specified exclusion based on past medical
   history
 * Modified – approved, but maybe with a different product or plan design
 * Declined – Not approved, any deposit will be returned and coverage cannot be
   taken.

ANNUAL REVIEW

We strongly encourage that we meet on an annual basis. This will allow us to
make any necessary adjustments to your insurance plan as your needs may change
over time. We will keep you updated on key dates that we looked at when setting
up the plan to take advantage of what the policy can offer you in the future.

We will also remind you how your current coverage works allowing you to decide
if the coverage itself still makes sense based on your new situation.





TESTIMONIALS







> Jeff was great in explaining the different products available and what was
> priority versus extra value. He helped us navigate the different options and
> the summary he provided was very helpful in making a decision. He always took
> the time to meet with us and follow up on the status of the policies.

Dawn Lagesten, Accountant

> Jeff is patient, articulate, and trustworthy. There are tons of products in
> the market and Jeff helped me navigate through it all. He showed me what I
> would actually get for my investment and how to best protect my family. I
> would highly recommend his services to anyone.

Adam S, Lawyer, Partner

> Excellent customer service. Jeff is extremely knowledgeable and prompt. Thank
> you.

Chris O, Economist

> My experience with Secure Plan has been a great one so far. Jeff is an
> excellent insurance rep because he explain s everything very thoroughly and he
> listens and provides solutions with his client’s needs at heart. I never felt
> like he was trying to “sell” me anything. He simply figured out our family’s
> needs and provided us with the right insurance plan for our growing family. I
> have already recommended Jeff and Secure Plan to a couple of my friends and
> family members and I would recommend them to anyone else as well.

Trevor Hessel, Golf Pro/Automotive Sales

> My dealings with Jeff over the last few years have been exceptional. His level
> of care, eye for detail, and knowledge of his product is superior. Jeff is a
> true professional and I highly recommend his services.

Andrew Kulakowsky, Sales Manager, Performance Toyota Scion

> Jeff is a great advisor who is very knowledgeable in the field of insurance
> products. Having him as part of your team is essential.

Dr Tudor Codreanu, Dentist, Owner of Coventry Dental Care




TRUSTED PARTNERS





SecurePlan has partnered with some of Canada’s most trusted financial
institutions.  Being an Independent Insurance Broker, we make it easy for you to
find the best company and the best rate for your situation.  You can trust that
we work for you – not the insurance company.



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SecurePlan Insurance Solutions is an Insurance broker proudly serving the
Niagara, Grimsby, Hamilton and Burlington regions.

We specialize in Life Insurance, Disability Insurance, Critical Illness
Insurance and Long-Term Care.

We know what matters to you.

Contact us today for a free consultation.



CONNECT WITH US!




Jeff RomanskyFollow


19 Oct


Benefits should be viewed as a part of an employee's overall compensation plan.
Employee's value benefits and they may be more affordable than you may think. If
you are looking to provide a raise, have you considered offering benefits
instead?

https://www.benefitscanada.com/benefits/health-benefits/68-o...

#insurance

Reply on Twitter 1450472406154371079Retweet on Twitter 1450472406154371079Like
on Twitter 1450472406154371079
14 Oct


After 15 years in the business, I have lost count of how many times a client
told me that it was “required” to purchase #lifeinsurance with their #mortgage –
which is not the case, it is optional.

Read more in my latest blog: https://secureplan.ca/creditor-insurance-oct-2021/

#insurance #mortgages

Reply on Twitter 1448679967651418115Retweet on Twitter 1448679967651418115Like
on Twitter 1448679967651418115


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