Frencho Rampersaud brings to you over 10
years (since 1998) of life insurance planning and policy placements for his individual and business clients. This experience enables him to fit the life insurance
plan to the insurance needs of his client - he encourages his client to complete with him an "insurance
needs analysis" to determine the amount of insurance coverage required - "How Much Coverage Is
Enough?". This is determined by the overall debts (mortgage, loans, lines-of-credit, emergency savings)
to be covered, assets (home, cottage, business, real-estate investments) to protect, and life events (children, education
savings plans, funeral costs, tax & estate fees) that will impact their lives. He believes that an INFORMED CLIENT is more likely to "do business with him" ...
as an INFORMED CLIENT will make INFORMED DECISIONS! Frencho has deep family values, high integrity, and the financial-planning
tools, industry qualifications, and dedication to justify the effective management of YOUR OVERALL FINANCIAL PLAN...
Frencho then designs a life plan (even by mixing
permanent and term insurance, and perhaps adding a critical illness rider) from a multiple choice of life insurance suppliers
to meet the client's needs. He then sets up a personal meeting with the clients to present the best 2 or 3 plans ... with
his recommendation. The end result is that the clients would have made "an informed decision". Frencho
then informs the clients of the process to take an application, request medicals, and the insurance company's underwriting
process to the issuance of the life policy.
Frencho will now inform the clients of
the process to take an application, request medicals, and the insurance company's underwriting process to the issuance
of the life policy.
We are independent brokers with over 15
top Life Insurance Carriers to choose from ... we'll find the "insure
right" plan that fits your needs. - Manulife
Financial
- Canada Protection Plan (CPP) - for
guarantee-issued plans
- Canada Life
- Sunlife
- AIG
Life of Canada
- Transamerica Life
- Desjardins
- Standard
Life
- Industrial Alliance
- Empire Life
- RBC Insurance
- Foresters/Unity Life
- Equitable
Life
- AXA Insurance
- UL Mutual
- Ontario Blue Cross
- and more ...
Client service policy - to educate, communicate, and contact you on an on-going basis in order
to provide full and personal financial services to meet your on-going changing life events. The 'bottom-line'
is to grow your NET-WORTH by strategizing a harmonious symphony of financial
plans through tax-efficient concepts and solutions. The end-result must be 'in
your best interest' ... our Client/Advisor relationship will be fulfilled as we accompany you all the way to realizing
YOUR NET-WORTH GOALS!
Frencho also brings over 25 years of business experience, backed
by very strong financial, accounting, tax and estate-planning, banking, analytical and administrative skills. His academic
achievements include a BA degree in Business and Administration (London, UK) majoring in Economics, Finance, Accounting, Statistical
Analysis, Business Law, and Effective Communication. He utilized these skills to build his business practice and service his
clients. He believes that an INFORMED CLIENT is more likely to "do business
with him" ... as an INFORMED CLIENT will make INFORMED DECISIONS! Frencho has deep family values, high integrity,
and the financial-planning tools, industry qualifications, and dedication to justify the effective management of YOUR OVERALL
FINANCIAL PLAN... Email Frencho Rampersaud at: ram@wealthdejavu.com
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