Lois Warren & Associates Inc.

WHO WE ARE
With expertise built over 20 years of experience, Lois Warren & Associates are trusted insurance advisors that understand the unique requirements and concerns of lawyers.

WHY WE EXIST
It is our mandate to provide objectivity and discipline to the field of life insurance for the legal profession. We specialize in tailoring strategies designed to help protect lawyers, their families, their practices and their assets through life insurance, disability and critical illness coverage, and retirement and estate planning.

WHAT WE DO
Our clear and analytical approach seeks to minimize risk, remove redundancies and provide personalized strategies to maximize insurance benefits for our clients. Professional and discreet, we are the trusted advisor for many of Ontario’s top litigators and distinguished lawyers.

Address

30 East Beaver Creek Road, Suite 115, Richmond Hill, ON L4B 1J2

Phone

416-900-6037

Fax Number

289-807-0197

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Product/Service Education

  • TAX EXEMPT LIFE POLICIES

    These are complex products and need careful consideration. An excellent tool for estate planning, these policies allow for tax-deferred growth and eventual tax-free receipt upon death. A policyholder of a tax-exempt policy can request a tax-free loan from the insurer to supplement retirement income. If the loan remains in good standing, loan repayment does not occur until death. Essentially, you can use your life policy as a retirement vehicle.

  • DISABILITY INSURANCE

    Disability insurance is designed to replace a lawyer’s income should they become unable to carry out the essential duties of their occupation. The policy pays out tax free amounts monthly until age 65. There are now provisions in these contracts to continue coverage until age 70.

  • CRITICAL ILLNESS INSURANCE

    This type of insurance endows when the insured receives a diagnosis of critical illness. There are 22 covered conditions including activities of daily living. Unlike disability insurance, this policy issues a single lump sum payment in 30 days. Critical illness is a separate risk and does not offset payments from a disability policy, therefore, you could successfully make a claim on both.

  • LONG TERM CARE

    This policy is designed as a second pension as it pays out a tax-free income should the insured require nursing care at home or in a facility. It protects the insured from having to sell other assets to pay for long term care.

  • INSURANCE AND ESTATE PLANNING

    Life insurance is an essential tool when it comes to transferring wealth to the next generation. It is more cost efficient to use life insurance instead of other assets that generate a tax liability when sold or transferred at fair market value.

Attending Representatives

To set up a one-on-one appointment with one of the attending representatives, please contact them via their contact information as listed below.

  • Lois Warren

    Insurance Specialist

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Connect with us

Ontario Trial Lawyers Association

1190 Blair Rd, Burlington, ON L7M 1K9

Phone: (905) 639-6852

Email: admin@otla.com

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