Bank vs Insurance

Feller Financial Group Inc. offers affordable life insurance plans to protect you against risk of loss of income, life or even disability. We can help increase your financial security, plan for retirement and the future and protect the ones you love at the same time.

Life Insurance
Life Insurance rates have dropped in price in the last year, some as much as 30%. Feller Financial Group estimates that 75% of people are paying too much for their life insurance.

As a local brokerage house, Brian has access to more than 100 companies. Brian believes in working with the largest life insurance companies because we want to know that when we need them, they’ll be there. We use companies such as Green Shield, Canada Life and Industrial Alliance. For a complete list of the companies we use, please visit our Plans page on this website. Or call or email us today to find out how we can lessen your risk.
Mortgage Insurance
Mortgage Insurance - only covers balance of mortgage, decreases with every payment, not transferable and only pays out on one life? It pays directly to the bank, make the smart choice and protect yourself with individual life insurance, we protect you not your creditors! Find out how to save money and protect your family instead of the bank!
Term & Permanent Insurance
Term Insurance Feller Financial Group estimates that 75% of people are paying too much for their term life insurance. Let us show you how to save your money. 10-year and 20-year term permanent plans are available. Call us today to arrange a complimentary review of your current plan. Take advantage today of these plans and lessen your risk.

Permanent Insurance Permanent life insurance remains in force until the policy matures or pays out. The policy can’t be canceled by the insurer for any reason except fraud. Permanent insurance builds a cash value that reduces the amount at risk to the insurance company and the insurance expense over time. Talk to one of our experts today about this plan.
Disability Income Protection
Disability insurance insures the beneficiary’s earned income against the risk that a disability will make working and earning money impossible. Disabilty insurance includes paid sick leave, and short-term and long-term disability benefits.
Critical Illness Insurance
What you don't know could cripple you financially. Critical illness insurance plans pay lump sum tax-free amounts of money paid to you in the event you’re diagnosed with a serious illness. Most critical illness plans refund 100% of your premiums in the event of your death before the 30 day waiting period is over, making your plan virtually premium free.
Benefits are completely tax free. Heart attack, cancer, stroke, coma, heart bypass surgery, Multiple Sclerosis, Alzheimer's, Parkinson's, major organ transplant, paralysis, kidney failure, blindness, severe burns, loss of speech, deafness, occupational HIV, loss of limbs, Lou Gehrig's Disease, insulin-dependent Diabetes, loss of independence and many more conditions are considered critical illnesses.
Many plans provide doctors referral and counseling services at no additional cost. If you purchase a Loss of Independence clause, due to injury or sickness and can’t do two of your daily tasks such as eating, bathing, or dressing, you could receive a tax-free lump sum of cash to use however you need it. Let Feller Financial Group tailor these plans to meet your needs. Call today to protect your income and retirement funds. Don't let an illness change your life.
Tax-Free Savings Plans
A Tax-Free Savings Account (TFSA) provides tax benefits for saving. TFSA contributions aren’t deductible for income tax purposes. Investment income, including capital gains, earned in a TFSA isn’t taxed – even when withdrawn. Call Feller Financial Group for more information at no cost to you about a TFSA.
Retirement Plans
Retirement Plans are an essential part of everyone’s future in today’s world. The economy is unpredictable and planning for your security is a smart move. Call or email Feller Financial Group today to begin planning for your retirement.
Segregated Funds Investments
Segregated Funds - a mirror image of a mutual fund, same rates of returns but many other benefits. Segregated funds Bypass Probate and Estate Fee’s, Creditor and Bankruptcy protected, Principle Guarantees on death and terms, a full range of investment choices from no risk to high risk. Find out how segregated funds can protect your investments and provide a better choice than traditional mutual funds.
Registered Education Savings Plans
A Registered Education Savings Plan (RESP) is a tax-deferred investment account that’s set up to pay some or all of the costs of the beneficiary’s post-secondary education. Money is invested and allowed to grow, tax-free, until the beneficiary withdraws it. The contributions to an RESP aren’t tax-deductible, but you can take advantage of government grants of 20% to 40% on every contribution. New lifetime saving grants of $500 are available for new plans (note: you must be receiving child tax credits to qualify). Call or email Feller Financial group for more information at no cost to you.
Registered Retirement Savings Plans
A Registered Retirement Savings Plan or RRSP is a type of account for holding savings and investment assets. The RRSP's purpose is to promote savings for retirement. It must comply with a variety of restrictions stipulated in the Canadian Income Tax Act.
Rules determine maximum contributions, timing of contributions, claiming of contribution tax credits, assets allowed, and eventual conversion to a Registered Retirement Income Fund (RRIF) in retirement. Approved assets include savings accounts, guaranteed investment certificates (GICs), bonds, mortgage loans, mutual funds, income trusts, corporate shares (stocks), foreign currency and labour-sponsored funds.
Call Feller Financial Group to talk to an expert about providing an RRSP to your employees.
Guaranteed Investment Certificates
A Guaranteed Investment Certificate is an investment that offers a guaranteed rate of return over a fixed period of time. This is a low-risk investment. We can shop all major banks and beat rates offered at your own bank! The experts at Feller Financial Group will be happy to assist you with this investment.
Estate Tax & Probate Planning
Estate Tax & Probate Planning - by using segregated funds we can bypass expensive estate and probate fee’s. By purchasing certain types of life insurance plans, we can wipe out tax implications, ensure that your entire estate goes to your loved ones! Don’t let the government kick your can! Call or email us for more information, or to set an appointment to talk to Brian about your needs.
Group Medical & Dental
Group medical and dental benefits help make a business more successful by providing their employee's with benefits to care for their families. These plans normally include long term disability, medical, life insurance and dental, for groups of 2 to 100 collectively.

Feller Financial Group can quote your current coverage or provide you with a new plan. Together we can provide solutions that will make your employees more loyal and healthier.
Group Insurance
As a business owner, it is important to understand the tremendous benefits in investing in a group insurance plan for your employees.

Such plans can be cost-effective in complementing your compensation structure and making your company a more desirable place to work for talented employees.
Group RRSP's
In a group Registered Retirement Savings Plan, an employer arranges for employees to make contributions, as they wish, through regular scheduled payroll deductions. The employee can decide the size of contribution per year and the employer deducts an amount accordingly and submits it to the investment manager selected to administer the group account.

The contribution is then deposited into the employee’s individual account and invested as specified. The primary difference with a group plan is that the contributor realizes the tax savings immediately, instead of waiting until the end of the tax year. Talk to one of our experts today about a Group RRSP. Call or email Feller Financial Group today for more information about this plan.

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Call 250-923-8769 or This email address is being protected from spambots. You need JavaScript enabled to view it. us today for a free consultation with  Brian, our financial expert today!