LC Financial - Life Cycle Financial Services

10/11/2018

MEDIA RELEASE!!!!

Quebec City, Quebec…David Crouse was recognized as a leading representative of the Chambers of Commerce Group Insurance Plan at the program’s national conference in Quebec City, September 13th – 16th. The top 100 Chambers Plan representatives from across the country were honored at the event for experts who met stringent qualifying criteria. David Crouse of Life Cycle Financial is the exclusive Plan Advisor in his area. David’s been in the financial services industry for over 25 years and associated with the Chamber’s Plan for over two decades. David deals in customized group benefits for small to medium businesses, as well as financial planning for business owners. The Chambers Plan is the largest group insurance program of its kind in the country, providing tangible benefits to members of participating Chambers and Boards.

Nationally, the Chambers Plan provides group benefits to more than 30,000 small and medium sized businesses, members of 850 Chambers and Boards of Trade that endorse the program. The Plan was introduced over 40 years ago to make group benefits available to smaller firms. Today the program offers competitive rates, outstanding guarantees and many free, value-added features for participants including Business Assistance Service, providing business owners access to accounting, legal and human resource experts, and my-benefits health ®, the wellness site providing Plan members easy access to reliable tools and resources.

The Chambers Plan is the largest employee benefits program of its kind in the country, providing tangible benefits to members of participating Chambers and Boards. From the National Service Centre, located in Winnipeg, the Chambers Plan is administered by Johnston Group Inc., recognized as one of Canada’s Best Managed Companies every year since 2001.

David firmly believes that customer service should be #1 and he excels at attending to his new and existing client base. David also appreciates the support he receives from his clients and acknowledges he wouldn’t be receiving this recognition without them.

To speak with David, please call 506-375-1196 or you can e-mail him at [email protected] or check us out at

Home Whether an individual or group plan, we at Life Cycle Financial Services Ltd., can tailor an insurance and investment plan to best suit your goals. We deal with several different companies and can shop the market for you! With today's technology, information is readily available when required f...

07/17/2018

GUARANTEED APPROVAL

With three or more full-time people, you can choose options that guarantee coverage to you and your employees.
Businesses that operate with three or more full-time employees are eligible for guaranteed coverage. Organizations with five or more employees can choose extensive dental coverage and groups of ten or more can add children’s orthodontics. The Chambers Plan can provide the coverage you need at a cost you can afford.

05/30/2017

If you're a member of your local Chamber of Commerce you should really consider their employee benefits program! Chamber of Commerce Group Plans offer outstanding employee benefits including extended health care, disability coverage, critical illness, dental care and employee assistance programs. In addition, Chamber provides free added benefits like second opinion services. Not only will you attract new employees but you will keep them! For a free quote, feel free to contact me, David Crouse, at (506)375-1196 or email me at [email protected]. Check out the link below for more information!

http://www.chambers.ca/why-choose-the-chambers-plan/designed-for-small-business.html

Looking for big business coverage (health insurance) for a small business? Chambers of Commerce offers health insurance plans for business, group health insurance at small prices but with big business service and options. Click here to find out more.

04/17/2017

Another feature of the Chambers Plan is:

RATE STABILITY
Claims are averaged over more than 25,000 companies
just like yours. Higher than usual claims one year? You
won’t be singled out for a price increase.
Chambers Plan pools your claims with other participants.
In a pooled plan, premiums are based on the average
of claims across all participants. When your claims are
bundled together with thousands of similar firms in a pool,
costs stay manageable and predictable. No one firm is ever
singled out for an increase. All 1-9 life firms are completely
pooled. Our 10+ life firms are partially pooled.

08/02/2016

We would like to send a big congratulations to all Miss Hartland 2016 contestants! A special congrats to Emma Kaye, who received the title of 1st princess and represented Life Cycle Financial with great pride!

02/11/2016

NOT-FOR-PROFIT:
Chambers Plan operates under the direction of the not-for-profit Chamber Insurance Corporation of Canada, by Chamber people, for Chamber people.
Keeping your interests front and centre, Chambers Plan operates under the guidance of volunteer directors who are also Chamber members. Over 900 Chambers of Commerce and Boards of Trade across Canada actively endorse Chambers Plan, providing coverage to over 25,000 independent businesses.

12/02/2015

OUTSTANDING SERVICE:
The Plan’s service centre works in concert with your exclusive, local Chambers Plan advisor to give you answers to all your questions.
You deserve an advisor who understands your needs and will help you design a plan that reflects the size and requirements of your business. Our advisors present you with options, not preset packages. Aside from conventional contact methods, we also offer a variety of self-service options, including direct claim deposit, immediate prescription drug benefits and online administration. Using my-benefits®, our online administration system, authorized owners and employees can add employees, print forms and check invoices 24/7.

10/28/2015

Ask about our INSTANT ISSUE LIFE INSURANCE: the plan designed with no medical required! Provided you are age 45 to age 75 you are guaranteed protection with just 5 qualifying questions. No doctor's reports, no fuss. You can also take comfort in knowing your premiums will never increase.

10/16/2015

FAST, ACCURATE PAYMENTS:
Most health and dental claims turn around in 48 hours. You can opt for pharmacy card and electronic dental claim submission, and even direct deposit to employee bank accounts.
Chambers Plan members don’t waste any time waiting for claim payments. You can opt to have these expenses deposited directly to your bank account and you will still receive a detailed benefit statement for your records. Chambers Plan also offers a card that allows you to enjoy the benefits of instant plan coverage right at the pharmacy. You have enough to worry about; let Chambers Plan take the stress and delay out of the claim process.

09/09/2015

YOU CHOOSE THE COVERAGE:
Every firm participating in Chambers Plan has a custom
benefit program, based on the coverage the owner
selects.
In addition to competitively priced health, dental, and
vision benefits, our impressive list of extensions includes
travel insurance and also options for employers over 65, such as
prescription drug, ambulance and semi-private hospital
coverage. We offer Life Insurance and a guaranteed
$30,000 Critical Illness benefit. Our members have
access to a variety of added features, such as Best
Doctors services, Business Assistance Service, vision
care discounts, and a Health Access phone line.
Plus, we care about the overall well-being of our members,
including emotional and mental health, and we offer
Employee Assistance plans that can help you take control
of your life. Best of all, Chambers Plan can be adjusted
as your business expands, financial situation changes, or
number of employees increases or decreases

07/22/2015

YOU CONTROL THE COST:
Why pay for a package with benefits you don’t want when you can customize? Customization puts you in control so you get top value for your dollar.
We recognize that small business owners are constantly struggling to keep costs down. By choosing options based on your company’s needs and carefully selecting the amount of coverage provided, you can create an impressive custom plan that doesn’t break the bank. Customization allows you to fine-tune your coverage costs through various co-insurance amounts, annual deductibles, or even by placing maximum limits on dental and prescription drug benefits. Chambers Plan ensures that your insurance coverage is every bit as efficient as your business.

06/30/2015

Whether you're a solo entrepreneur, home-based business or part of a larger firm, benefits are a very important part of your financial security. The Chambers Plan creates a solid foundation for that security, based on a benefit program designed specifically for small-business owners, just like you.All it takes to join is membership in a participating Chamber of Commerce and you'll get the security you need, along with a benefits program that's personalized for you and your company.