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tque or â€" it 0o: * 886â€"2810 2 Billion of ry this year. Our you, our clients, free income. s money in a Chape! N2J 104 T3 Term insurance is life insurance pure and simple. You choose the number of years (the term) you are insured and the amount your survivors get if you die within that term. Term insurance has fixed premiâ€" ums, fixed death benefits and no cash value. Coverage expires at termâ€"end, unless you renew. With permanent life insurance, the most common A. Be clear about why you need insurance. (Who is it for? Is it a personal investment?) Take a hard look at your physical health and current finances to deterâ€" mine a reasonable cost for the coverage you will need. Calculate the income your family will need to live comfortably after your death. Check group coverage you may have at work to see if there is an overlap. Get information about the different types of life insurance available. Life insurance and you by the Ontario Insurance Commission that may guide you through the life insurance maze. Q. What is life insurance? A. Life insurance is one way to provide financial security for you, your dependents or business partâ€" Life insurance is a product you‘re probably familiar with, You know it will provide some financial protecâ€" tion for your family when you die. Even looking for the right type of coverage can be confusing. You have to take your time and go stepâ€"byâ€" step. Here are some questions and answers prepared them. You want to make sure that whatever happens to you, they will be able to live comfortably. Buying life insurance seems the right thing to do, but where Q. What types of life insurance are there? A. There are three types: term, permanent and Q. Why would I need life insurance? You have dependents and you ‘want the best for 168 King St. S. _ 1336 Weber St. E. _ 1315 Bishop St. 579%60 894â€"9700 622-‘5’5% Member: Ontario Share and Deposit Insurance Corporation WATERLOO REGIONAL CREDIT UNION Receive an extra 1/4% on deposits of $25,000 or more. $500 Minimum Deposit Interest Compounding Annually With life insurance you cannot afford to make misâ€" takes. You should talk to other people about their experiences and do some research of your own. Before you sign a policy, remember that your life insurance is a legal document and your signature commits you to everything in it. Complete your appliâ€" cation fully and honestly â€" omissions and lies will make your policy invalid. If an agent fills out the application for you, reread the form for accuracy and completeness. As with any contract, it is your responâ€" sibility to read and understand everything in it. If you have any questions about insurance or the Ontario Insurance Commission (OIC), call the OIC bilingual information line for 24â€"hour service: (416) 250â€"6750 for the greater Toronto area, 1â€"800â€"668â€"0128 for toll free longâ€"distance. tection. Renewal is not necessary as long as you pay your premiums. You can usually cash in your policy anytime after two years, but will lose your coverage if you do. Also, your policy‘s investment benefits may only fully come to you if the policy has been in force for considerably longer than two years. and fixed cash value. Universal life has flexible premiâ€" ums, flexible death benefits and cash value, which depends on your premiums and how well they have been invested. With universal, you direct where preâ€" mium funds are to be invested. Endowment combines insurance protection with future savings and pays you a specified sum if you live to a given age. if you die before then, your beneficiary receives full face value of your policy. Because of the focus on savings, premiums for endowment policies Mon., Tues., Thurs., Fri. â€" Noon til 5:30 Closed Wed. & Sun., Sat. 10â€"4 ONTARIO‘S LARGEST SELECTION OF AFFORDABLE POOL TABLES * 91 Trillium Dr. Call Alan Tchabushnig 5709907 or 1â€"800â€"461â€"4748 305 King St. W., Suite 505, Kitchener CALDWELL CAPITAL BBE EE WATERLOO CHRONICLE, WEDNESDAY, FEBRUARY 2, 1994 â€" PAGE 13 The new Funeral Directors and Establishments Act for the Province of Ontario stipulates that each funeral home must have a Price List available to the public which itemizes all the services and supplies offered. We would invite you to call or visit our funeral home to obtain a copy of our Price List. This may be of some assistance if You are considering preâ€"arranging a funeral or ;naking atâ€"need arrangements in the uture. The Edward R. Good Funeral Home was established in 1946 z Edward Good and is now under the ownership of Paul! and Jim Erb. We are the only independently owned and operated funeral home in Kitchenerâ€"Waterioo EDWARD R. GOOD FUNERAL HOME LIMITED 171 King St. S., Waterloo, Ontario N2J 1P7 745â€"8445 . If Time is Money ... We Can Save You Both. Waterloo Chronicle â€" 886â€"2830 For Your Information ‘PRICE LISTS‘