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 Advisors - How do they differ?
Banks sell GICs, savings accounts and mutual funds but they don't sell Insurance products. Stock Brokers are allowed only two licenses so if they sell stocks and mutual funds they can't sell insurance products.

 So what can insurance brokers do that the others can't? They can protect your assets like no one else can. In addition to insurance they sell GICs and Seg. funds. (Seg. funds have features that mutual funds don't have.)

Here's what one type Seg. funds can do for retirement/estate planning:

	Guarantee 5% minimum annual increase
		(mutual funds/stocks don't do that)
	Allow full participation in market growth
		(GICs and savings don't do that)
	Guarantee 100% of capital back
		(mutual funds and stocks don't do that)
	Can guarantee an income for life
		(mutual funds, GICs, stocks don't do that)
	Returns all unused capital to your heirs at your death.

I'm a Certified Financial Planner and an Independent Insurance Broker Contact me for details at  (506) 261-2125 or email gordon@smartchoicelife.com