Life is a risky business
…and it necessitates planning!

Health is "the state of complete physical, mental and social well-being, and not merely the absence of disease or infirmity"
(World Health Organization)

Life and health insurance can help achieve and maintain financial health, a basic component of protecting your health in this broad sense.

There are many misconceptions around insurance.

There is no better way to dealing with risks financially for the individual, the family or the business.

Life and health insurance can be used wisely or foolishly

Some basic knowledge of the main issues, concepts, and relations of financial matters is very important for everyone. You cannot pick up all the nuances and tricks about life and health insurance from the perusal of handy materials, but spending some time with them is rewarding. If you do not take the pain to learn at least the very basics of assurance, then you either cannot deal with it at all (a poor, risky choice) or you have to blindly trust for advice an agent or a broker (what's the difference between them anyway?) , somebody whose interests and capabilities are not necessarily to your best advantage.

I am trying to give you (especially health and life insurance customers in Ontario, Canada) a hand with this site

... to get familiar with the basics, and more. Here are some options you might want to take:

I would appreciate any comments or questions regarding what I presented here. You can contact me by either email or in some other way.

Top page (on personal financial planning) ...

Comprehensive map

Who am I? ----   Contact info.

What do I offer?

Key areas:

Life and health insurance (including disability, critical illness, and long-term care protection) ... this page

Retirement plans

Education plans..

Socially responsible / green / ethical investing

Estate planning

If you are / have ...


Financial Calculators

Download CD-ROM demo ...

Frequently Asked Questions

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The site is permanently under construction; I try to improve it, and your comments regarding how this could be done are most welcome.

These web pages are for information purposes only. The information contained and presented, while based on and obtained from sources we believe to be reliable, is not guaranteed either as to its accuracy or completeness. The content of these web pages is solely the work of the author, Laszlo Kramar.

The views (including any recommendations) expressed on these pages are those of the author alone, and they have not been approved by anybody. Neither the information nor any opinion expressed herein constitutes an offer, or an invitation to make an offer, to buy or sell any product discussed or referred to in these web sites. These web pages are for educational purposes only and are not intended for use by residents of the United Sates; nor are they intended as an offer or solicitation in any jurisdiction outside of Ontario, Canada. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

(c) Copyright 1997-2006 László Kramár. All Rights Reserved.