Ryan Insurance Services Limited
3 Lovitt St B5A 3C1 Yarmouth, NS, Canada

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Life Insurance on Children? Why? Without this conversation with clients, we are not fulfilling an important part of planning for the upcoming generation from an insurance planning perspective. I believe we are bringing a very important conversation to the table when we discuss life insurance for children. Some parents don’t like to think of life insurance on their children because they believe they might be ‘gaining’ from a child’s death. However, there are many reasonsgood... reasonsfor buying life insurance for your children. In addition to having valuable life insurance protection, permanent life insurance accumulates cash values that are tax exempt until withdrawn from the policy. One of the best components of insuring a child is that you begin to build a program of financial security that can make a difference in a child’s future. Also, because the cash value can grow to become a valuable asset, your child will be able to use the life insurance as collateral for a bank loanif needed. In addition to the above reasons, it offers a great compliment to an educational savings plans and incredible flexibility with regards to premiums being paid on the policy. Another fantastic feature of these policies is the ability to add a Guaranteed Insurability Rider. A great deal of adults start a family only to discover that due to health issues, they are uninsurable. If you buy your child life insurance with a GIR, your child can increase the protection you originally provided without any additional evidence of insurability. Here are 5 additional reasons to buy life insurance for your child: 1. Low premium cost 2. Consistent monthly savings 3. Tax deferred growth 4. Creation of fund for possible future business opportunities 5. Retirement income

WHAT YOU SHOULD KNOW f Surfaces frequently touched with hands are most likely to be contaminated. These include doorknobs, handrails, elevator buttons, light sw...itches, cabinet handles, faucet handles, tables, countertops and electronics. f It is not yet known how long the virus causing COVID-19 lives on surfaces, however, early evidence suggests it can live on objects and surfaces from a few hours to days. CHOOSE A PRODUCT THAT CLEANS AND DISINFECTS f When cleaning public spaces, choose products that clean and disinfect all at once (e.g. premixed store-bought disinfectant cleaning solutions and/or wipes when available). Cleaning products remove germs, dirt, and impurities from surfaces by using soap (or detergent) and water. Cleaning does not necessarily kill germs, but by removing them, it lowers their numbers and the risk of spreading infection. Disinfecting products kill germs on surfaces using chemicals. f Use only approved hard-surface disinfectants that have a Drug Identification Number (DIN). A DIN is an 8-digit number given by Health Canada that confirms the disinfectant product is approved and safe for use in Canada. CREATE A CLEANING PROCEDURE f Operators of community settings should develop or review protocols and procedures for cleaning public spaces. This will help determine where improvements or additional cleaning may be needed. f Read and follow manufacturer’s instructions for safe use of cleaning and disinfection products (e.g. wear gloves, use in well-ventilated area, allow enough contact time for disinfectant to kill germs based on the product being used). f Wash hands with soap and water or use alcohol-based hand sanitizer after removing gloves. CORONAVIRUS DISEASE (COVID-19) CLEANING AND DISINFECTING PUBLIC SPACES This document provides guidance on cleaning and disinfecting of public settings, including schools, universities, public libraries, museums, public transit, communal residences and workplaces. See more

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