ABOUT US

Joseco Financial is a family-owned insurance brokerage that has been putting families first since 1998. We know when it comes to finding an insurance policy, planning for retirement, or saving for your child’s education, finding the right plan can be a daunting task. With the many different policies and companies to compare, the task becomes even more complicated. That is why at Joseco Financial, we pride ourselves in the fact that we are a one stop shop for all your financial needs. We represent all the major insurance companies, which allows us to do the shopping for you! Let us find the best plan that satisfies your needs and budget.

At Joseco Financial, we believe planning ahead will prepare you for life’s uncertainties. Through our many services, we provide you the opportunity to cover your financial commitments and leave a legacy. We pride ourselves on delivering the Protection and Security your family deserves. With our advisors, you not only get quality advise and service, but a friend who will be there for all of life’s milestones.

Don’t Wait. Contact Joseco Financial Today & Be Ready for Life.

SERVICES
Life Insurance Education Critical Illness Retirement
Disability Insurance
Employee Benefits Plan
Individual Health & Dental Plan
Travel Insurance
Medical Insurance
TFSA
Investment Funds
Mortgage Insurance
Non-Medical Life Insurance
Super Visa Insurance
Life Insurance

The most frequent question clients ask us is, “What are the benefits of life insurance?”

Life Insurance gives you the ability to:

✔ Meet Financial Obligations
✔ Allow your Family to Maintain their Standard of Living
✔ Leave a Legacy
✔ Effective Saving Vehicle
✔ Cover Final Expenses

At Joseco Financial, we know how important it is to YOU to provide your family with security and ensure their well-being. As a one stop shop, we can find you the best plan and the best rate in just minutes. The chart below outlines a general comparison of the different Life Insurance products offered by various companies.

COVERAGE TERM
COST
CASH VALUE
SAVINGS COMPONENT
TERM
COVERAGE TERM:
10 to 40 years
COST:
$
CASH VALUE:
---
SAVINGS COMPONENT:
---
PERMANENT
COVERAGE TERM:
For Life
COST:
$$
CASH VALUE:
SAVINGS COMPONENT:
---
UNIVERSAL
COVERAGE TERM:
For Life
COST:
$$ - $$$
CASH VALUE:
SAVINGS COMPONENT:



Contact Us Today for a no obligation quote and find out how easy it is to protect your family!

Education

“Education is the passport to the future, for tomorrow belongs to those who prepare for it today”

– Malcolm X

As a parent, you want to ensure your child has the opportunity to follow their dreams. A Registered Education Savings Plan (RESP) allows you to save for your child’s education by providing tax deferred growth on your contributions and government grants. On average, Ontario students pay more for post-secondary education than any other province in Canada. This has made planning for your child’s education ever so important. By starting your child’s RESP early, you can provide them with the funds to further their education and reach new heights.

As outlined below, the Canadian government provides generous annual grants based on your contribution size.

ANNUAL GRANT
ANNUAL MAXIMUM
LIFETIME MAXIMUM
ADDITIONAL GRANT
CANADA EDUCATION SAVINGS GRANT (CESG)
ANNUAL GRANT:
20% of your contribution
ANNUAL MAXIMUM:
Up to $500
LIFETIME MAXIMUM:
$7200
ADDITIONAL GRANT:
10% to 20% of the first $500 invested yearly
CANADA LEARNING BOND (CLB)
Limit of $2,000 per child for eligible families
Critical Illness

Your health is your most valuable asset. Yet the reality is, we tend to not think about coping with a critical illness when healthy. However, critical illnesses are the leading cause of death in Canada. At Joseco Financial, we want to provide you the peace of mind you deserve. A Critical Illness policy allows you to Protect yourself, your family, and your finances. It provides a lump sum benefit payment in a time of need and lets you focus on what really matters; Getting Healthy.

Retirement

The key to a Successful Retirement is Planning!

Retirement Planning asks 3 Questions:

1. How much do you currently have?
2. How much do you need?
3. How do we reach this goal?



At Joseco Financial, we know retirement is about relaxing and finally getting to the things you have put aside. We know how important it is to YOU, to retire on time and retire stress free. Our advisors will work closely with you to select the best investment strategy to reach your goals.

We offer advice on:

POLICY
FOR WHO?
Registered Retirement Savings Plan (RRSP)
Registered Retirement Savings Plan (RRSP):
• Tax-deferred savings
• Tax advantages
• Unused contribution room can be carried forward
Locked-In Retirement Account
Locked-In Retirement Account:
• Have you changed employers recently?
• Allows you to move funds from your group pension plan to an individual plan
• More control over your future.
Tax-Free Savings Account (TFSA)
Tax-Free Savings Account (TFSA):
• Tax Free Savings
• Withdrawals are non-taxable
Income Funds
Income Funds:
• Annuities
• Registered Retirement Income Fund (RRIF)
• Life Income Fund
CONTACT US
For more information or to schedule an appointment, do not hesitate to Contact Us.

You can fill out the form or contact us directly.


Kavukattu Jose:
jose@josecofinancial.com
416-562-5430
Jobin Jose:
jobin@josecofinancial.com
416-805-9504