From confusion to clarity, one conversation at a time. Co-operators’ financial representatives are here to help you.

It’s Life Insurance Awareness Month so we’re breaking down the differences between the two main types of life insurance policies. Term life insurance covers you for a defined period (1-, 10-, 15-, 20-, 25- or 30-years) and is typically more affordable. It’s designed to protect your family for a specific, shorter-term need, like paying off a mortgage. It’s important to know that term policies generally offer lower initial premiums, but they may rise upon renewal. Permanent life insurance lasts your entire lifetime and builds cash value over time. While this policy type is more expensive, the longer you pay into your policy, the more its cash value grows. You can choose to flexibly utilize your permanent policy values as needed. In short: 🗓️Term = lower cost, temporary protection. ♾️Permanent life insurance= lifelong coverage, potentially builds cash value. The right choice depends on your stage of life. If you’re unsure of what you need, I can help you find the right solution. #LifeInsuranceAwarenessMonth #LifeInsurance #Legacy #Family

Every fall, Co-operators employees come together for Apple Day at the CUMIS orchard in Burlington, ON - a tradition rooted in giving back. With every apple picked, Co-operators is helping nourish over 100 local organizations! 🍎 🍂 It was a fantastic day, as more than 200 volunteers picked over 7,300 pounds of apples! Co-operators is thankful for their employees, who volunteered their time and continue to embody Co-operators values through their community action. 💙 #AppleDay2025 #ProudlyCanadian #volunteering #community #coop

Dollar cost averaging is a proven #investment strategy to help you ride out market fluctuations. With small, consistent contributions, you can grow your investments, over time. Just jump in, hold on, and hang in there. We can get you started.

Empower yourself this #NationalFinancialAwarenessDay by learning your Financial Resilience Score at https://financialresiliencescore.com/ ! This tool, developed by Co-operators partners at the Financial Resilience Institute, helps you understand your current finances, so you can feel more prepared and confident about your financial future. Financial resilience is all about bouncing back from unexpected life events or financial setbacks, while making progress on your financial goals. Building this resilience allows peace of mind knowing you can handle life’s ups and downs 💙. #ProudlyCanadian #FinancialPlanning

This #InternationalYouthDay, Co-operators is highlighting its partner @Enactus Canada, a non-profit organization that uses entrepreneurship to empower students to address social and environmental issues. One of the ways Enactus achieves this is through the Mental Health Ambassador (MHA) Program. In partnership with Co-operators, this program provides training and support to a network of Enactus students in mental health education, promoting positive actions and connecting peers with resources. Co-operators is proud to share testimonials from Ambassadors that help show the incredible impact of this program – swipe to read more! Drop a ‘💙’ in the comments if youth mental health awareness is important to you. For more information about Enactus, visit https://enactus.ca/. #MentalHealthAwareness #YouthMentalHealth

Spring is the best time to test your home for #radongas. Wondering what radon gas is and what you can do about it? ⬇️

Through Co-operators Community Funds (CCF), Co-operators is helping underserved individuals across Canada build brighter futures. 🌟 In 2024, CCF supported 59 organizations that help underserved youth and individuals facing mental health challenges build skills and find employment. One inspiring example is Stella’s Place in Toronto that offers free, comprehensive mental health services for young adults. Explore the 2024 CCF Annual Report to learn more about how Co-operators is creating more inclusive and resilient communities: https://www.cooperators.ca/en/about-us/sustainability/social-impact/co-operators-community-funds #ProudlyCanadian

The RRSP contribution deadline is less than two weeks away. Invest by March 3rd to make the most of your 2024 contribution room and reduce your taxable income. Speak with us today!