The right products give the right protection

Your financial advisors at Cain & Osborne Associates have access to a wide range of financial and insurance products.

Retirement Products

Planning for retirement is a critical part of lifecycle planning.

  • Individual pension plans:  You don’t need to work for a big company to have a company plan customized for you.
  • Retirement compensation arrangements:  Plan for your retirement and for that of your employees.
  • RRSPs, RRIFs, and LIFs:   Make the most of your retirement savings.
  • Annuities:   Consider an annuity as part of your guaranteed income-for-life plan.


Insurance Products

You can’t just save and invest; you also have to protect your income.

  • Permanent, term, whole, and universal life insurance:  Protect your family when protection is most needed.
  • Disability Insurance:  Protect yourself so that you can protect your lifestyle and future and those of your family.
  • Mortgage insurance:  Protect the ownership of your home to protect the lifestyle of your family.
  • Long-term care and critical illness insurance:  Protect your future today so it’s protected for your entire lifetime.

Ask us about the eight types of insurance that you should have.

Insurance protects you and your family from catastrophic losses caused by events that are out of your control.  Working with our insurance experts, we as your financial planners at Cain & Osborne can give you the advice you need to make the right choices in insurance products.



Term, life, whole, universal—we sort out all the terms for you.  While life insurance is for the people who are most important to you, it’s important for everyone to cover final expenses.  By purchasing life insurance while you’re young and healthy, you save on a lifetime of lower premiums.


No choices here, folks.  If you own a car, you have to have it.  But the options can be overwhelming.  We can refer you to one of our trusted auto insurance agents so you get the help you need to purchase the options that work best for you.


You’ve seen the news stories delivered by a reporter standing in front of a burning home or business:  “And they had no insurance.”  Don’t be one of those people, ruined for less than the price of a cup of coffee a day.  We can refer you to one of our trusted home insurance specialists who can design the right policy for your home, vacation, rental, or business property.


Your income is your largest and most important asset.  If you don’t protect it, you could face many difficult choices for you and your family.


When a serious medical condition hits, it may release a whole new set of needs, from special equipment to continuing expenses like nursing care.  Critical illness insurance kicks in when you need it most so you don’t have to take slices out of your savings.


When you need long-term care, you want to be as comfortable as possible.  When public care just isn’t enough, long-term care insurance gives you the resources to make the choices you want for your care for your lifetime.


Government plans cover a lot of your health care needs, but not all of them.  Over the course of a year, the extras for things such as dental care and medications all add up.  Extended health care defrays those costs.


A broken leg on the ski hill can cost you thousands.  Upgrade a travel medical policy to comprehensive coverage for cancellation fees, lost baggage, and trip delay expenses.


When it comes to insurance rates, we have a variety of companies that we deal with. Our goal is to get you the most coverage for your needs at the best rate possible.

Investments and Income Plans

We use lifecycle protection tools that grow with the magic of compounding.

  • GICs and term deposits:  Keep your savings secure with guaranteed income.
  • TSFAs:  Keep your savings and the income it earns free of taxation.
  • RRSPs:  Use diversity and professional management to grow your assets and income.
  • Segregated funds:  Use their extra layers of protection to safeguard your savings from factors such as law suits, seizure from creditors, and loss of capital.  “Seg” funds are especially attractive to anyone who wants guaranteed capital and guaranteed income.
  • Secured line of credit:  Get the emergency funds you need but with lower costs, higher limits, and lower payments.


Group Benefits for Businesses

Group benefits protect your business’s most important assets:  its people—and that includes you and your family.  Group benefits are available even to companies with just two people, offering coverage at outstanding savings.

  • Health and dental plans
  • Disability plans

The Million Dollar Baby Club

Your new bundle of joy may be crying now, but in 65 years, he or she will be crying all the way to bank.  At birth, all you have to do is deposit $4500 into a Million Dollar Baby account with Cain & Osborne.  Think of it:  Just two years of Baby Bonus cheques or gifts from the family to your new baby.  Then watch your deposit grow to a million dollars through the compounding of 65 years of returns from a well-chosen fund of funds or another portfolio of investments.  The results aren’t magic; they’re sound financial planning!

Ask us for details on setting up your Million Dollar Baby account.  We’ll explain the assumptions we make and the products we use to make the projection of turning your initial $4500 deposit into $1,000,000.  But don’t tell the kids!

The Million Dollar Car Concept

After gas and depreciation, the biggest cost of owning a car is the interest you pay on your car payments.  Let us at Cain & Osborne use that money you would have spent to build your million dollar car.  By the time you’re 65, you’ll be able to afford that Ferrari.

Ask us for details on setting up your Million Dollar Car account.  We’ll explain the assumptions  we make and the products we use to make the projection of turning your initial deposit into $1,000,000.  But tell your teenage son that he has to wait for his sports car.

Which Products Are Right for You?

Review these packages then book an appointment with your financial planner to discuss which ones work for your customized plan.