Justin at Foreman Financial
494 Queen Street Suite 400 E3B1B6 Fredericton, NB, Canada

Most individuals have AD&D coverage at the bank...but I bet you’re paying too much. Speciality Life has great coverage for those looking for this type of protection!

Has this discussion been brought up in your family household yet? It most likely has! Don't continuing putting it off when you could be receiving up to $600 for your children's education each year for free Click below to see how an RESP would be beneficial for your families financial planning. Or of course, you can send me a message! https://cpp.ca/what-is-an-resp/

What has been your favourite summer memory so far?

Monday mornings I take some time to catch up with news around the world about the sport I enjoy. I came across an article of a fellow Motocross rider like myself who had lost his life last week while trying to break up a fight at a local bar. He was 27-years old, young, and healthy. We can't control tragic events, but we can control having a plan in place to protect ourselves and loved ones. Godspeed Sidney Harmon #471!

Most individuals have AD&D coverage at the bank...but I bet youre paying too much. Speciality Life has great coverage for those looking for this type of protection!

Access Life provides newcomers to Canada with complete life insurance coverage up to $500,000, with no medical exam. With our new 25-year term protection, Access Life is the best mortgage solution on the market.

Do you need travel insurance if youre only traveling in Canada? YES, in the event that you travel outside of your home province you are not fully covered! Coverage such as ambulance, medical equipment, and drugs are NOT covered. This is why it is essential to have a stand-alone travel plan or a health benefit package. We can help you with the coverage you need.... https://blog.tugo.com//provincial-health-care-for-travel/

When was the last time you saw a campaign on social media where someone was helping to raise money for an individual or family? Today? Yesterday? Last week? Unfortunately, setting up campaigns such as GoFundMe is not the way you want to protect your finances during a time of need. Within the last month I have witnessed over 10 New Brunswick campaigns for families or individuals who lost someone, were injured, or were diagnosed with an illness. Have you taken the necessary steps to protect yourself and your family?

A friend of mine getting involved in helping people during the toughest times.

Sharing my knowledge with people is always so rewarding. Over the weekend I got to teach a great group of MX riders the rights and wrongs of how to handle a motorcycle correctly. The steps we went over made the rider more safe, comfortable, and confident. What I do during MX lessons is no different than what my day to day career entails. Providing solutions that allow individuals and families the comfort of feeling protected and safe.

Weekend number two of camping! What keeps you busy during the summer months?

Emilie caught me at work Assisted 7 individuals within 36-hours. Life, health, and living benefits we do it all. Its time for you to sit with me. #IndustrialAlliance #BlueCross #CanadaProtectionPlan

Three individuals this week will be receiving their peace of mind solutions! Working as a broker allows me to be contracted with many different carriers making sure I find clients the right product for the best price. Its now youre turn to act on getting the protection you need #RBCInsurance #Desjardins #CanadaProtectionPlan

What risks do you face when not having a health & drug plan in place? 1. Being diagnosed with a condition which could required hundreds or thousands of dollars worth of medication each year that youll now need to pay out of pocket. 2. Gaining employment with a business that has group employer benefits. These are mandatory benefits that you have to take. This leaves you potentially paying higher premiums for coverage that is not nearly as good as an individual plan. 3. Not... being able to seek health practitioners when needed due to having to pay 100% of the bill. This can impact every area of your life. Solution...why not get it now when youre still healthy? Its almost guaranteed at some point you will be giving up your employee benefits by changing careers, or going to a career where the benefits are too expensive and you have no choice. If youre a recent graduate or working for a small local company this is crucial for you to capitalize on! #BlueCross

Curious about life insurance, but not ready to talk to an agent yet? That's we have simple calculator solutions for individuals to get a general idea what is available to them at their finger tips! Check out this solution below. All you need to do is put your gender, age, and smoking status. Click yes to "Do you know how much insurance you need" and start plugging away. These quotes are based on coverage being in force for a set 20 year period.... https://ia.ca/life-insurance-calculator#calc

When you buy something are the features and benefits important to you? Of course they are! You wouldn't buy it if it wasn't. Why is it though that the majority of people don't consider what is in their group employee benefits plan when they sign up? Did you know that MOST employer long-term disability benefits are ONLY payable for 24-months if you cannot perform your REGULAR profession. After the 24-months, if you can perform a similar occupation that you are qualified to do the long-term disability benefits will no longer be payable. We have solutions that can protect you and your income up till age 65 in the event of an accident or sickness that you can no longer work YOUR REGULAR profession!

Through out the week I had the chance to meet with three of our many companies we represent. Starting off I met with Sun Life Financial on investments, Canada Life the following day on their new term insurance product, and ending the week of with Desjardins critical illness protection. We keep up to date continuously so you know you have the right product and solution for you! What solution can we help you with?

Life protection is an essential part of financial planning! Regardless of your age or at which stage you're at in your life we can all agree that having a small policy to cover your final expenses is a necessity. If this is something you've put on the back burner it's time for you to take the next step. At Foreman Financial we have solutions that are inexpensive and easy to qualify for at any age. Let's talk life protection!

Working a seasonal job this year? Are you for small business or yourself? Make sure you have the right benefits to protect you while on the job and after hours!

Not having the proper income replacement in the event of sickness or injury is no joke. In Canada, 22% of individuals age 15 or older have difficulties completing everyday activities. Would you drive you vehicle without insurance protection? (I hope not). Than why aren't you protecting the one thing you can't control; your health.

I had the pleasure of helping a gentleman in his early 60s today. As a long time diabetic and past medical complication with his heart a lot of agents would of turned this client away. However, with our large group of companies we were able to get him permanent coverage for life for under $65 a month. He was relieved how easy the process was and that he could still get quality life insurance at an affordable rate Start preparing your post-retirement benefits now! There are many factors along the way that could effect the coverage your eligible for if you wait too late!

What if the next time you got ill you didn't have to schedule an appointment with your family doctor or wait hours in the ER? What if you were able to access REAL doctors through an electronic device to evaluate your condition and them write a prescription if seen fit. One of the many benefits we can offer you at Foreman Financial. Send me a message to learn more!

If you have group benefits from your employer here are three reasons why you should consider adding your own personal coverage 1. The employer has full rights to the plan. They can change benefits, decrease coverage, or even terminate the plan if they wish. 2. If you ever leave the employer you would have to go through a full medical exam to qualify for personal benefits. This could leave you with potential ratings or declines if you developed conditions during your time at... the employer. 3. When you reach retirement most employee benefits terminate. This leaves you having to find coverage in your 60s with a full medical review. In my experience I have worked with multiple individuals in their retirement years who are unable to step away from the work force. The common denominator being that they could not afford their health a drug benefits out of pocket. Dont have health, life, accident, and sickness coverage? This is all the more reason for you to be sitting with me. We can personalize coverage for any situation Justin @ Foreman Financial 506-470-0369.

BIG NEWS What can $7 buy you today? Not much! However, it can buy you $70,000 worth of accidental life protection regardless or your age or sex. Send me a message to learn about a new product that just rolled out over the weekend! Trust me youll be glad you did

Yup...its definitely a snow day

Yup...feels and looks about right!

Are you a... Recent grad? Started a family or expecting? Purchased a home? Self employed?... ...now would be the perfect time to look into income protection! Your ability to make money is your greatest asset! You wouldnt drive a car without insurance so why arent you protecting your health?

Insurance is a critical part of your financial planning! How would you replace your income if your health deteriorated? How would your family substitute your income if something worst happened? If an individual spends 40 years in the workforce at an average $40,000 salary per year thats $1.6 million worth of potential earnings. Your health and your ability to work is your greatest asset! Make the right step to your financial security today

"I think a lot of people don't realize how cheap it is to put coverage on yourself. Once you find out how affordable it is why wouldn't you do it?" - Recent client.

Winter blues getting you down? Apparently the third week of January is when the most amount of people have had their fix of winter. What keeps you busy during the cold months to avoid the blues?

Been rated in the past? An individual I was with this week was! Due to his diabetes he was heavily rated years ago with monthly premiums just shy of $300 for a base plan. We went through some options and found out he could qualify for under $100 a month with a simplified issued product. He gave up on getting coverage years ago and it was just a coincidence we got talking. Regardless of your health and if you're under 80 you can get you approved at an affordable rate! Tag someone below if this relates to them

This week I met with a gentleman who wanted a second opinion on what he had for coverage. He believed it was just a very simple policy that ended at a specific date. We ended up reviewing it together and found out that it was the "Rolls-Royce" of insurance plans. The agent took care of this client no different than what I would have done! It was a great feeling to be able to help someone fully understand what they have and eliminate any concerns or questions. Just because you have coverage doesn't mean that you should never look at it again. If you're reading this and you can't answer the question "What kind of coverage do I have and for how much?" than you need to talk to me

Snow shoeing over the weekend at Killarny lake! What activities keep you going during the winter months?

The month of December has really got me motivated helping people in 2019! Why's is that you ask? Well, in my line of work we often get the cold shoulder from those who have employee group benefits. Group plans are an amazing thing to have and any business that offers them makes a huge plus for the employee. However, these benefits are a privilege from the employeer and not a right. Benefits can change and businesses can shut down. Within the last few weeks we witness the sudd...en closure of three iconic establishments in Fredericton alone. We can't predict if or when this will ever happen, but if it does you want to be prepared. At Foreman Financial we have the solution for you that protects your health benefits in a situation like this. Be in control of your health and don't allow it to be your biggest expense in your household. For more information you can contact me or you can check out Blue Cross - Assured Access. See more

With only a few more weeks to go many are excited for the upcoming holidays! What do you look forward to most during this time of year? Food, family, friends, vacation, relaxation?

This weekend I assisted a very skillful semi-retired individual. I was able to help increase their coverage by 25% for the same price they were already paying! We got joking around upon this last meeting about how hesitant they were to meet the first time because they were already covered. Needless to say it was worth it in the end! If youve been rated or declined in the past we offer products that are guaranteed. No medical, doctors reports, or exams!

I had the opportunity today to sit down with an amazing retired couple; I later learned I went to high school with their grandson! Retirement is an exciting time for anyone, but can also be stressful getting everything sorted out. If you're looking into retirement soon let's look at how we can help your savings and replace your benefits you may be leaving behind.