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Antony (Tony) Ratcliffe is an insurance agent and broker serving individuals and groups in Alberta, Canada. Tony holds the industry designations of Chartered Life Underwriter (CLU) and Certified Health Insurance Specialist (CHS). His practice includes a focus on financial risk management to provide income replacement and assist with plans for estate planning and wealth transfer.
- Life Insurance to provide family protection and fund estate planning in the event of death
- Disability Income to protect your most valuable asset: your ability to earn a living
- Funding of business buy-sell agreements for disability and death
- Critical Illness Insurance to provide a lump sum upon diagnosis, and survival, of a critical illness
- Long-Term Care Insurance to cover costs associated with an ability to perform two or more of the activities of daily living or the suffering of a cognitive impairment
Services include determining needs and implementing the appropriate solutions:
