Group and Individual CoverageAntony (Tony) Ratcliffe, Ratcliffe Wealth & Risk Management, is an independent insurance agent and broker serving the Life Insurance and Disability Income needs of clients in Alberta, Canada. As a Registered Health Underwriter, Tony is passionate about the Living Benefits, and believes that everyone should at least understand what is available. One of the most known is Travel Insurance, and he welcomes the opportunity to discuss the various plans before you leave Alberta and, critically, before you leave Canada. A personalized approach provides a needs analysis and insurance planning at our office, your office, or in the comfort of your home. Recommendations may be implemented with a range of insurance companies. The following are examples of needs and solutions:
- Life Insurance to provide family protection or estate planning in the event of death
- Disability Income to protect your most valuable asset: your ability to earn a living
- Critical Illness Insurance to provide a lump sum upon diagnosis, and survival, of a critical illness
- Long-Term Care Insurance to cover costs associated with an ability to perform two or more of the activities of daily living or the suffering of a cognitive impairment
- Health and Dental Coverage for those without employer benefits or to supplement coverage
- Travel Insurance, for Out of Province Travel as well as Out of Canada Travel
- Private Health Services Plan
- Investments using life insurance products
