Health Spending Account

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Health Spending Account Health Spending Accounts are self-insured health plans arranged by employers for their employees residing in Canada. They provide a way that small businesses can provide tax-free health and dental benefits to their employees (and their employees’ family members). This makes the Health Spending Account appear to be an extremely attractive and cost-effective way of getting and providing … Read More

Group Benefits

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Group Benefits When you work with us for group benefits, you can expect leading edge proprietary solutions and an outstanding level of service. We offer benefits plans that are tailored to help employers engage and motivate their teams – while still managing costs. Depending on the group size, you can select from the service that best suits your needs.

Succession Planning

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Succession Planning Succession Planning is the objective of passing on the leadership, or ownership of a company to the next in line or most capable. This may be a shareholder, group of shareholders, or employees. A good succession plan ensures that a business continues to run smoothly after the companies most important people move on to new opportunities, retire or … Read More

Farm Estate Planning

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Farm Estate Planning The process of Farm Estate Planning is similar to normal succession and estate planning; however, most consider the unique tax aspects that farms and family farmers, are subject too. In the past, the family farm has often passed from one generation, to the next. Canada’s tax rules are still quite favorable for allowing that transition to occur; … Read More

Mortgage Life Protection

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Mortgage Life Protection Insurance Mortgage life insurance is a product sold by financial institutions, it’s put in place to protect the mortgage in the event of death, disability, or a critical illness. Often, when we get a mortgage through the bank or credit union, they ask if we would like to insure our mortgage and have you made the decision … Read More

Life Insurance

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Life Insurance Life insurance is a financial product that is used to help protect and build wealth, it can help give loved ones or businesses financial security by allowing a tax-free payment after death. The amount and type of coverage you choose will depend on your circumstances and needs. Term Insurance Term life insurance is affordable, easy-to-understand coverage that gives … Read More

Estate Planning

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Estate Planning Estate planning involves determining how an individual’s assets will be managed, preserved, and distributed after death or should they become incapacitated. At R.R. Dobel Insurance Agency Ltd., we also incorporate maximizing the structure of our client’s affairs during lifetime, and retirement, as well as after death. Estate planning obviously involves getting the hard facts, such as assets, real … Read More

Disability insurance

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Disability Insurance Disability Insurance is designed to replace a portion of your income if you become disabled and are unable to earn an income. A disability can result from several causes, including an injury, a serious illness, or a mental health issue. The duration of a disability can be either short-term or long-term. The amount of disability you can apply … Read More

Critical Illness Insurance

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Critical Illness Insurance Critical illness insurance provides you with a lump sum cash payment upon a medical diagnosis of covered conditions such as a heart attack, cancer, or stroke. Like life insurance, you decide the amount of coverage at the time of application and type of product that best fits your needs. Critical illness insurance products can cover you for … Read More

Buy / Sell Agreements

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Buy-Sell Agreements A buy-sell agreement is a legal document among co-owners of a business, that outlines how a partner’s shares can be distributed or reassigned in the event of death, disability, or leaves the business. The agreement also establishes a method of value for the business. It determines how the shares are to be sold or purchased as well as … Read More