Steven W. MacEachern  - Charlottetown, PEI | PEI Life & Health Insurance Advisor
www.stevenmaceachern.com - 902 393 1208

Life Insurance | Critical Illness | Mortgage Insurance
​Disability | Segregated Funds | RRSP | TFSA |

The goal of my practice is to work with my clients to help them identify their dreams and goals, and then partner with them to understand the financial implications of the life decisions they make. All the members of our team are committed to serving our clients as unique partners, requiring individual solutions and well thought out strategies to empower them to make their own decisions. Above all else, we value the relationships and trust that we build.

“If you once forfeit the confidence of your fellow citizens, you can never
regain their respect and esteem. It is true that you may fool all of the people
some of the time; you can even fool some of the people all of the time; but you can't fool all of the people all of the time.”  Abraham Lincoln

Insurance is essential to any comprehensive financial security plan. If
tragic events like death, disability or critical illness strike, insurance can
protect you and your family from undue hardship. Some life insurance policies
also provide tax-advantaged savings that you can draw on to achieve goals like
buying a house or retiring comfortably.

As an independent Life and Health Insurance Advisor, I have access to a
variety of insurance products that can help meet your financial security
planning needs. No matter your personal situation—if you’re single or in a
family; a professional or a seasonal employee; an executive or small business
owner—we will work together to design a customized plan.

• Life

• Long-term care, disability and critical illness
• Health and dental
• ​Retirement planning
  
• ​RRSP and Tax Free Savings Accounts
  

In the event of death, life insurance offers surviving family members
increased financial security. As a tax-free lump sum payment, it can pay for
final expenses and debts, as well as provide income for the deceased’s
dependents.
The advantages of life insurance include:

• An instant estate for your loved ones at a time when funds are most
  needed
• Death benefits that are almost always non-taxable for named
  beneficiaries
• Avoid probate costs if you name a beneficiary other than your estate
• Potentially offer your loved ones creditor protection through some life
  insurance plans
• Build tax-advantaged capital for retirement purposes or provide liquid
  savings through some permanent life insurance plans.

I can help you select coverage from a variety of life insurance options to
meet the needs identified in your financial security plan.
Life insurance can play a vital role in your financial security plan.