Baird Insurance
Insurance can provide financial peace of mind when planning to protect against illness, accident, disability and death. The costs associated with these unfortunate events can be crippling – even to the point of bankruptcy. Risks like these can be prevented or protected. Let us help you build an insurance plan that will protect you and your family or business today and into the future.
LIFE INSURANCE
Whether an insurance need is short-term or permanent, there are products available to provide coverage for a particular event and period of time.
Our goal is to work with our clients to determine the insurance product and plan necessary to reduce stress, emotionally and financially, during a time of crisis or loss.
Life insurance can be used for many purposes including:
- Cover financial hardship
- Satisfy creditors
- Replace income
- Funeral expenses
- Pay taxes and estate costs
- Provide tax-sheltered growth opportunity
- Provide collateral
- Fund buy-sell agreements for business
- Key Person
Let us help determine the insurance coverage and type of plan that is best for you.
Connect with a G.R. Baird Financial Advisor >CRITICAL ILLNESS INSURANCE
Critical illness insurance is a living benefit that helps cover costs associated with life-altering illnesses. If you become sick with an illness covered by your policy and survive the waiting period, you receive a lump sum cash payment that can be used as you see fit, while you focus on recovery and quality of life.
There are many conditions covered under this type of plan, and coverage options are constantly evolving due to medical advancements and preventive medicine. We are here to help our clients choose the plan that best fits their needs.
Connect with a G.R. Baird Financial Advisor >DISABILITY INSURANCE
When a gainfully-employed individual suffers from an unexpected accident or illness, they may be prevented from working or earning an income. Disability insurance can provide financial stability for a short or long period of time while the insured recovers.
At G.R. Baird Financial, we can provide the following disability insurance plans:
For individuals:
- Short-Term and Long-Term Disability Plans
- Unique Professional Student Disability Plans
Corporate-Owned Disability Programs:
- Overhead Expense Plan: The Overhead Expense Plan is a non-cancellable business disability insurance policy that can provide reimbursement of your eligible business expenses during total disability.
- Buy/Sell Plan: The Buy/Sell Plan is ideally suited for owners of privately-held businesses. It is designed to provide funds to help enable the business or one or more business owners to purchase the shares or ownership interest of a totally disabled shareholder or partner.
- Key Person Plan: The Key Person Plan is a disability policy that will provide benefits in the event of a key employee’s disability.
INDIVIDUAL HEALTH & DENTAL INSURANCE
Whether you are an individual or family without health coverage, or you are looking to fill a gap in coverage between group benefit plans, Baird Benefits Plus offers affordable and flexible coverages to help protect you from out-of-pocket expenses.
Connect with a G.R. Baird Financial Advisor >LIFE AND HEALTH INSURANCE PRODUCTS ARE PROVIDED BY G.R. BAIRD FINANCIAL GROUP INC. LIFE AND HEALTH INSURANCE PRODUCTS AND SERVICES ARE NOT AVAILABLE THROUGH DESJARDINS FINANCIAL SECURITY INVESTMENTS INC. NOR ARE THE INSURANCE PLANS OR SERVICES AVAILABLE/AND/OR OFFERED, SUPERVISED OR REVIEWED BY DFS INVESTMENTS. DFS INVESTMENTS IS THE MUTUAL FUND DEALER THROUGH WHICH MUTUAL FUND PRODUCTS AND SERVICES ARE PROVIDED.