CDS Financial Group
927 Prospect St, Suite 201 E3B 2T7 Fredericton, NB, Canada

Congratulations to Gary!!! Great Job! GARY DUNPHY Industrial Alliance is pleased to congratulate GARY DUNPHY of CDS Financial Group Inc.,... 927 Prospect Street, Fredericton, on having achieved a Life Membership in the prestigious MILLION DOLLAR ROUND TABLE (MDRT) Mr. Dunphy is a life member. Achieving membership in MDRT is a career milestone attained only by those who have demonstrated exceptional professional knowledge, client service and ethical conduct. MDRT, the Premier Association of Financial Professionals, is an international, independent association of more than 38,000 of the world’s insurance and financial services professionals from 459 companies and 76 nations and territories. MDRT members are trusted advisors who demonstrate exceptional product knowledge, strict ethical conduct and outstanding client service. Regarded as business community leaders, MDRT members are recognized internationally as the standard of sales excellence in the life insurance-based financial services industry. See more

What to leave a Legacy? Here's How!! Even Out an Inheritance A couple has three children and a family business. One of the children is active in the business and the other two have careers of their own. If the bulk of the estate is the business and the plan is to leave the business to the active child, the other two children come up short. A second-to-die policy on mom and dad can even things out. For example, let’s say the total estate is 6 million and the business represent...s 4 million. If the parents leave the business to the active child and the remaining 2 million to the other two children and name these children the beneficiary of a 6 million dollar survivorship life policy, everything is equal. The child active in the business gets the business worth 4 million. The other two children inherit 1 million apiece from the balance of the estate and 3 million apiece from the survivorship life insurance policy. See more

Whole life insurance policy allows you to create a source of cash reserves with the payment of regular premium with all taxes deferred. It can also be used as supplementing retirement income. Think of it like you are buying a car.... you are going to pay monthly for it till it dies and then its done! And if it is paid for before it is done you have some value in it, which is an added bonus.

WHAT IS TERM INSURANCE? 5 and 10 year term life policies provide coverage for a specific period of time only. The premium provided by these types of policies can be got at a reasonable price and they are non-renewable. Whereas in the case of 15-Year to 30-Year Term Life allows you to pick the length of time that you need coverage for. Now a day's every family needs cash to fulfill his regular day to day life and his future expenses. In this case he should go for 25 year term policy; this policy will fulfill his needs perfectly.

WHY IS LIFE INSURANCE IMPORTANT? Life insurance is a way to protect your family against possible financial trouble or even ruin, depending on your circumstances. Life insurance is also a way to relieve some of the anxiety that family members may feel as they wonder how they will get by should a breadwinner in the family pass on. Some forms of life insurance can even be used as a means of saving money over the long term.