Melisa Nepravishta

This year we’re celebrating 80 years of Co-operators 💙! We’re proud to be Canadian-founded co-operative, with the well-being of Canadians is at the heart of everything we do. Our purpose has always been, and will continue to be, rooted in supporting local communities and helping Canadians achieve financial security. #ProudlyCanadian 🍁

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

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.

Whether you have $50 or $500k to invest, let's get you where you want to go. Talk to us today!

Feel financially adrift? Whether you have $50 or $500k to invest, let's get you where you want to go. Talk to us today.

Winter predictions? Leave those to the groundhog. Long-term planning? Trust our Financial Representatives. #LifeInsurance #GroundhogDay

It's #FinancialLiteracyMonth! As your life changes, so do your financial needs. Check out our latest resources designed to help you navigate three of life's major milestones: starting a new career, buying your first home and welcoming a baby. Learn more here: Planning for life’s milestones - Co-operators

Like the players on a hockey team, life insurance options can vary in their roles. Whether you’re looking for the stability and long-term protection of Whole Life, the flexible coverage of Universal Life that adapts to market conditions or covering financial commitments with Term Life, this hat-trick of options can suit your needs and budget.