A Quick Guide to Your Insurance Options

Robert Tick

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Robert Tick, PFP®, CIM®, FCSI®
Estate and Insurance Advisor
Interest > Insurance Resources

There are countless strategies, products and providers in the world of insurance, but at the most basic level, there are four main types – and we've found with our clients this is a good place to start.

Critical Illness

  • to cover all associated costs of life-altering illnesses
  • all suppliers cover cancer, heart attack, heart disease, stroke
  • though many other illness can be covered


  • provides a tax-free benefit payable to your heirs
  • to help support your family after your passing


  • in the case of short- or long-term disabilities like injury, serious illness or mental health
  • designed to supplement your income when disability prevents you from working

Long-Term Care

  • covers health care or assisted living costs for an indeterminate period of time
  • most common among those over 65, suffering from diseases like Alzheimer’s or Parkinson's

Insurance Investments

  • Include annuities, variable annuities, segregated funds and structured settlement funds
  • allows for living benefits to supplement retirement income, with many other advantages

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It's our belief that the wealthy approach investing in a fundamentally different way than most, and it’s this approach that we’ve designed our investment process to emulate.
Robert Tick, PFP®, CIM®, FCSI®
Investment Advisor