Health Insurance Kelowna Dale Lamb Sun Life

Health Insurance - Long term care

2009-03-09T14:47:00.000-07:00

Take care of your loved ones by taking care of yourself first.

Dale Lamb Can Help You Build A Financial Plan That Gives You The Freedom To Choose The Kind Of Care You Want

Have you ever thought about how an accident, illness or the effects of aging might affect your life?

What would be the impact? Would you be able to take care of yourself? Would your family be affected?

For years, Sun Life has been answering these concerns for people just like you.

You can count on Long Term Care Insurance (LTCI) when you need to make a claim:

Sun Life Financial is the leading provider of long-term care insurance in CanadaSun Life Financial has paid over $6.2 million in LTCI benefits since the product was introduced in 1999

Almost two out of three Canadians who bought LTCI in 2007 relied on Sun Life Finacial.

LTCI provides an income benefit if you become physically dependent and no longer able to perform routine activities of daily living such as bathing, dressing or feeding. LTCI may also provide a benefit if you require continual supervision because of deteriorated mental ability.

Did You Know

Average age 65, 44% of men and 72% of women are expected to develop either a cognitive impairment or a need for help with two or more activities of daily living for at least 90 days.

Call us today for your Insurance needs in Kelowna.

Sun Life Kelowna - Dale Lamb DKL Financial Services Inc.

Kelowna, British Columbia

(250) 860-6403 x2203

dale.lamb@sunlife.com

http://www.sunlife.ca/dale.lamb/e/index.htm

WHEN IT COMES TO YOUR HEALTH, YOU HAVE CHOICES

2009-03-09T14:30:00.000-07:00

Have freedom to concentrate on recovery, not your finances

WHAT ARE YOUR PLANS FOR THE FUTURE?

We’ve all thought about our future and we’ve dreamed about the things we want to accomplish and experience. WE also know that life can sometime take unexpected turns that change our plans.

One of those unexpected turns is being diagnosed with an illness. Fortunately, medical advance mean more of us are surviving serious illnesses than ever before. Because the road to recovery can be stressful and costly, the last thing you’d want to worry about when you’re recovering is your finances.

If you were faced with a serious illness, how might your plans and current lifestyle change? What would you choose to do? These are questions worth asking yourself.

Today, you’re empowered with choices

Having a plan in place will help you stay on track to meet your financial goals. With the help of an advisor, you can customize a plan that will:

-provide money to help fund your recovery if your health changes unexpectedly
-help you avoid needing to make early withdrawals from your retirement savings to cover additional costs

Thankfully not all of us will be diagnosed with a critical illness. You can also include an option to get back the money you’ve paid in premiums if you don’t need to make a claim.
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Call us today for your Critical Illness Insurance needs in Kelowna.

Sun Life Kelowna
Dale LambDKL Financial Services Inc.
Kelowna, British Columbia
(250) 860-6403 x2203
dale.lamb@sunlife.com

http://www.sunlife.ca/dale.lamb/e/index.htm

Why pay for more than you need? Kelowna Insurance

2009-03-09T14:16:00.000-07:00

Get the best value for your money.

A shared ownership strategy using Critical Illness Insurance

Owning a business has its advantages, but keeping valued employees in a competitive job market is a constant challenge. And it’s always your best people you have to worry about.
Your Vice President has become a key person on the team.

As the Vice President (VP), Sales & Marketing of your business, he has established important relationships with customers, suppliers and the bank and is largely responsible for the company’s rapid growth.

If your business were to lose him as a key person, the company could suffer not only lost revenue, but also the cost associated with getting the company back on track.

Call us today for your Critical Illness Insurance needs in Kelowna.

Sun Life Kelowna

Dale LambDKL Financial Services Inc.

Kelowna, British Columbia

(250) 860-6403 x2203

dale.lamb@sunlife.com

http://www.sunlife.ca/dale.lamb/e/index.htm

What kind of Health Insurance do I need in Kelowna?

2009-02-23T19:55:00.000-08:00

Health Insurance

Risk of illness and injury is something we all have. Both are unfortunate realities to many people. This insurance can provide money for treatment or time in a long term care facility.

It can replace lost income or pay for travel to and from doctors.

Sometimes health insurance is referred to as "living benefits"; because, unlike life insurance, the insured person is alive and receiving the benefit.

There are 4 types, all with a common purpose - to make sure your finances don't suffer when your health does.

Personal health insurance
Critical illness insurance
Long term care insurance
Disability insurance

Call today for an appointment:

Sun Life Kelowna
Dale Lamb
DKL Financial Services Inc.
Kelowna, British Columbia
(250) 860-6403 x2203
dale.lamb@sunlife.com

http://www.sunlife.ca/dale.lamb/e/index.htm

TFSA Kelowna Advisor

2009-01-23T15:55:00.000-08:00

The TFSA is the most significant government savings program since the introduction of the Registered Retirement Savings Plan (RRSP).It’s a great incentive for Canadians to save their money and have the interest grow tax-free.

Everyone can save! - Any Canadian can open a TFSA if they've filed a tax return and are 18 years of age or older.

Earn without taxes! - A TFSA lets you invest without being taxed on interest or investment earnings.

Contribution room grows. - Initially, your annual contribution room is $5,000 in a calendar year. In future years, the federal government may increase the annual amount in $500 increments to recognize the impact of inflation.

If you don't use it, you won't lose it! - Unused contribution room gets carried over to the next calendar year. There is no limit to how much contribution room can be carried forward.

Withdrawals don't impact contribution room.- If you take money out of your TFSA, you don't lose the contribution room – you get it back in the following calendar year. Your contribution room for the next calendar year will increase to reflect the amount of your withdrawal.

Keep it simple, consolidate. - While you can hold more than one TFSA across a number of financial institutions, you'll need to be careful not to over-contribute. Total contributions across all accounts can't exceed your accumulated contribution room. Each year you'll be assessed a 1% penalty on the amount you exceed your accumulated contribution room.

Keep what you earn! - Unlike an RRSP, you don't deduct your TFSA contributions from income on a tax return. However, the earned interest or growth won't be taxed. And money you take out of your TFSA won't affect federal income-tested benefits and credits.

Help others save!
TFSA contributions are made with after-tax dollars, so you can help your spouse or adult children in setting up their TFSAs. The interest they earn on this gift isn't taxable to you or them.

Call today for an appointment: Sun Life Kelowna

Dale Lamb
DKL Financial Services Inc.
Kelowna, British Columbia
(250) 860-6403 x2203
dale.lamb@sunlife.com

http://www.sunlife.ca/dale.lamb/e/index.htm

Dale Lamb Kelowna RRSP Season

2009-01-10T21:42:00.000-08:00

Starting and building an RRSP will likely be one of the most important steps you take in your financial life. There is no better way to reduce your taxable income and save for the future.
What are the benefits of an RRSP?
Why are RRSPs such a powerful saving tool?
How much can I put into an RRSP?
When can I make a contribution?
What happens if I can't contribute the full amount?
Can I take money out of my RRSP?
How long can I have a RRSP?
What are my options when I have to close my RRSP?

What are the benefits of a RRSP?
Investments in an RRSP have 2 big advantages over investments held outside an RRSP:

1. The contributions you make are tax-deferred.
(Most people consider it “saving” tax, but the money is actually taxed when you eventually withdraw it.)
If you contribute to an RRSP, you won't pay tax on that money. For instance, say you make $65,000 per year. If you contribute $5,000 to an RRSP, you can deduct $5,000 from your taxable income for the year. You save the tax you would normally have had to pay on that $5,000.

2. The growth of your money is sheltered from tax while it grows.
Investments inside an RRSP grow without being taxed. That is true, whether the growth is from:
interest,
dividends, or
capital gains

-Call today for an appointment: Sun Life Kelowna

Dale Lamb

DKL Financial Services Inc.
Kelowna, British Columbia
(250) 860-6403 x2203
dale.lamb@sunlife.com

http://www.sunlife.ca/dale.lamb/e/index.htm

Dale Lamb Kelowna Financial Advisor

How an appointment with Dale Lamb Financial Advisor works

2009-01-10T21:16:00.000-08:00

As your advisor, I can identify opportunities and help you make informed choices for building and protecting your savings based on your goals and plans for the future.

Dale Lamb can help you:

assess your current situation by examining your finances,
set achievable financial goals,
develop a realistic plan to meet those goals,
put your plan into action,
monitor your progress to keep you on track, and update your plan to grow with your changing needs and goals.

I will work with you as much or as little as you choose. I am available to listen to your needs and concerns and work with you to come up with the best plan that suits your needs.

Prodigy Wealth Management Dwight Stirrett The Okanagan Valley's Retirement Planning Specialist

Preparing for a Financial appointment

2009-01-10T21:12:00.000-08:00

The most important step in providing clear financial solutions is understanding your needs. When we meet, here's the information we'll need for both you and your spouse:
Salary or income, investments and insurance amounts
Pension and registered savings information
Assets and debts
Financial information for any business you own
Critical Illness
We can help you be financially prepared for a serious illness. Critical illness insurance helps ease the financial worries so you can concentrate on recovery.
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Call today for an appointment:
Dale Lamb
DKL Financial Services Inc.
Kelowna, British Columbia
(250) 860-6403 x2203
dale.lamb@sunlife.com
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Dale Lamb Kelowna Financial Advisor

About Dale Lamb - Financial Advisor Kelowna

2009-01-10T21:02:00.000-08:00

Dale Lamb was raised in the Okanagan Valley and for the last 30 years has called the Okanagan his home. He went to school at Okanagan Mission Secondary High School and graduated in 1989.

Dale came from and entrepreneurial family and had an early interest in corporate finance and by the age of 17 he was already dabbling with the stock markets.

Dale went to the University of Victoria and pursued his Bachelor of Arts with a focus on business economics and statistics. From university Dale entered the corporate financial, industry and became an advisor with Mutual Life of Canada in October 1995.

Through the past 14 years Dale has been a leader and top performer in the financial field through all transitions from Mutual Life to Clarica and seven years ago the changeover to Sun Life Financial, bought out, merge

Dale is a Life and Qualifying member of the Million Dollar Round Table (MDRT) . MDRT is an international, independent association representing the world's best sales professionals in the life insurance-based, financial services industry.

DKL Financial Products and Services

2009-01-10T20:18:00.000-08:00

As your advisor, I am dedicated to providing you with practical solutions to your unique needs. I will work with you to help you get a clear picture of where you are now, and where you would like to be in the future.

For individuals
Growing and protecting the income you and your family depend on is a challenge. Whether it's through life insurance, health insurance or an investment strategy, we can offer solutions to help you build lifetime financial security.
Financial planning
Investing
Life
Health

For businesses

Businesses large and small can benefit from solutions that help protect your business and the people that work for you. Because every business is unique, plans can be tailored to suit your specific needs.
Key person protection [PDF, 2 pages, 195 kb]
Estate planning [PDF, 36 pages, 354 kb]
Corporate investment shelter [PDF, 2 pages,216 kb]

Dale Lamb
Kelowna, British Columbia
(250) 860-6403 x2203
dale.lamb@sunlife.com

Dale Lamb Kelowna Financial Advisor

financial advisor near Kelowna, BC