ERNA MIGUEL

A UNIQUE APPROACH

TOGETHER WE REACH YOUR GOAL

WELCOME

Insurance is more than just a policy. You can protect your monthly income even when you can’t work, get the best care or train a family member for the at-home care that pays them for their sacrifice, or even ensure that your family is taken care of if the worst happens and you’re no longer around to put bread on the table.

You cannot underestimate the peace of mind you will have just by knowing that, while you can’t stop every horrible thing that might happen in life, you can be prepared for it in case it happens.

WHY IS LIFE & HEALTH INSURANCE IMPORTANT?

It covers your financial commitments.
It allows your family to maintain their standard of living.
It covers death-related expenses.
It ensures business continuity.
It completes life insurance coverage offered through your employer.

TYPES OF LIFE INSURANCE

PARTICIPATING INSURANCE

Combining growth, flexibility and stability, Participating Life Insurance (PAR) is permanent life insurance that includes basic coverage for which premiums, the initial face amount and the surrender value are fully guaranteed. The main advantage of PAR are the dividends that you can receive and use to increase the death benefit and total cash surrender value. So, in addition to protecting and growing your estate, PAR gives you the opportunity to access a source of liquidity and diversify your investments.

PERMANENT INSURANCE

It’s a preferred solution to ensure the financial security of our loved ones, adequately meeting your insurance needs, such as bequests to your heirs, estate taxes, your final expenses and your financial obligations. It could also ensure the continuity of your business or protect an investment. Whatever your reason for enrolling, flexible and guaranteed permanent life insurance will meet your evolving needs and those of your family.

UNIVERSAL LIFE INSURANCE

A solution that provides protection throughout your life and helps you save by taking advantage of certain tax benefits.

TERM INSURANCE

Term life insurance is a simple and affordable solution that provides tax-free payments in the event of death. This coverage is particularly helpful if you have a mortgage, or if you are a parent to young children and want to provide financial support for their needs until they are independent. This type of life insurance is specifically designed to protect your family’s financial security for a given period.

CRITICAL ILLNESS INSURANCE

This insurance provides financial assistance so you can maintain your standard of living and focus on recovery in the event of a diagnosis of critical illness. Insurance created with you and your loved ones in mind.

CRITICAL ILLNESS

A critical illness can strike anyone at any time, and the odds of surviving are better than ever with today's medical breakthroughs. Worrying about being a financial burden on your family or business is the last thing you want, should the unexpected happen.

PERSONAL HEALTH INSURANCE

Personalize benefits to top up provincial health plans, including prescriptions, dental, vision and hospitals.

HEALTH INSURANCE

DISABILITY INSURANCE

Disability and income insurance allows you to benefit from a source of replacement income when you are unable to work due to an illness or an accident. The coverage offered can provide replacement income of up to $10,000 per month, for the short or long term, which can be 2 years, 5 years or up to age 65. You can also cover loan repayments and even rent, if you are a tenant.

This coverage is ideal for employees who do not have group disability insurance through their employer, as well as self-employed workers and small business owners. Even better, individual insurance disability benefits are not taxable.

GROUP INSURANCE

No matter the size of your business, available complete range of group insurance products to meet your needs. We even offer the possibility of coverage for your employees working outside of the country.

When it comes to developing a plan, we prefer using a personalized approach.

PRIVATE HEALTH CARE PLAN

Personal insurance provides peace of mind and an affordable safety net to prevent significant financial hardship from a sudden medical event. There are many types of personal insurance; health and dental benefits provide immediate reimbursement for out-of-pocket medical expenses not covered by government plans, while other types of coverage include income replacement due to a disability or protection against specific risks that are highest during your working years. Each type of coverage serves a specific role in a well-balanced financial plan.

TYPES OF INVESTMENTS AND HOW TO GET STARTED

Investing is important and can help you protect against inflation, increase your income, put your money to work, prepare for retirement and build wealth. It can also help you achieve your financial goals and provide a safety net during times of need or job loss.

MORTGAGE BROKERAGE

BRILLIANCE FINANCIAL SOLUTIONS -

DOMINION LENDING CENTRES

Rate is only ONE of the many features in selecting the best mortgage product that meets your financial goals. With access to hundreds of lending institutions, BFSI-DLC are familiar with a variety of mortgage products allowing them to help find the best mortgage for YOU! Plus, unlike banks, mortgage agents are a third-party service focused on YOUR needs. This means that you can get the best rates and unbiased advice all for FREE from someone whose only goal is helping you achieve your dream of home ownership.

RESP

RESPs are to education what RRSPs are for retirement. They let you put money aside for your child’s post-secondary education. In this way, you give your child the greatest gift: an opportunity to achieve a dream career.

TFSA

A tax-free savings account is ideal for medium- or long-term savings projects. The returns generated in the account are not taxable, even if you make a withdrawal. Additionally, your money can be accessed at any time, which makes it an excellent emergency fund.

RRSP

A registered retirement savings plan allows you save for retirement but it can also be used to finance the purchase of a first property (HBP) or to go back to school (LLP). An RRSP offers a double tax advantage. First, the money invested is tax deductible. You can therefore deduct your contributions from your annual income and pay less in taxes. Second, as long as you don’t make any withdrawals, the money saved in your RRSP is non-taxable.

RETIREMENT PLANNING

Whatever your dreams for your retirement, having a strategy in advance will give you the tools you need to make them a reality. By having a good understanding of basic financial concepts related to retirement, you can get the most out of the tools available to you.

WHAT DOES TRAVEL INSURANCE COVER?

While Medical and Trip Cancellation and Interruption are the two foundational categories of travel insurance, policies will often have additional supplementary benefits that can help further reduce financial and emotional stress when the UNEXPECTED OR UNFORESEEN interrupts your travel plans.

TRAVEL INSURANCE

EMERGENCY MEDICAL INSURANCE

Includes an emergency hospital stay or emergency medical treatment while travelling outside your home province, including coverage for COVID-19. Coverage also includes licensed ambulance, emergency dental expenses, prescription drug reimbursement, emergency medical transport, family transportation expenses, out-of-pocket expenses, unexpected birth of a child, air travel delay expenses and more.

TOURIST VISA

MEDICAL INSURANCE

Includes medical treatment and follow-up visits by a physician or in a hospital, emergency dental services, childcare, maternity expenses, family transportation, out-of-pocket expenses and more.

SUPER VISA INSURANCE

Super Visa is a multiple-entry visa that allows parents and grandparents of Canadian citizens or permanent residents to visit Canada multiple times for 10 years and stay in Canada for up to two years during their single visit. They can stay in Canada without any renewal.

Super Visa is the best option for those parents and grandparents who intend to Visit their children & grandchildren in Canada.

STUDENT VISA

LIFE AND HEALTH

INSURANCE

It’s always recommended to buy a student travel insurance policy in case you are coming to Canada on a student visa. For this, insurance takes care of your medical needs as well as provide a shield to protect you from other emergencies and losses. Getting sick due to campus flu outbreak, a dental issue or injured away from the comforts of home can be especially stressful and Student Travel Insurance policy ensures your smooth stay in Canada.

EMPOWERING YOU.

Hello! I am Erna Miguel, Financial Advisor in Brilliance Financial Solutions Inc. Our brokerage firm focused on helping Canadians achieve their financial wellness in collaboration with our trusted and qualified team of professionals. I am licensed in the province of Alberta, Ontario and Quebec. I stand with strong integrity, broad based knowledge and over 5 years of experience in the Financial Industry. I have committed and dedicated myself in helping individuals work towards pursuing their financial goals. I am apprehensive of every individual’s uniquely need, focused on providing a holistic plan. Being experienced and trust-worthy are essentials in formulating recommendations for my dear clients. My objective is passionately help people to achieve their financial goals and ensure their best interests comes first at all times. I take pride with the trust that is given to me, fueling my confidence to do better each day.

HOW DO I WORK?

CLIENT-NEED SOLUTION

Utilizing my knowledge and expertise to construct personalized financial plans that aim to achieve the financial goals of clients.

SOLUTIONS

Solutions that include not only investments but also savings, budget, insurance, retirement, and tax strategies.

FINANCIAL EDUCATOR

My task is to help you understand what is involved in meeting your future goals.

BUILDING RELATIONSHIPS

Will be in-touch to further check in with my clients on a regular basis to re-evaluate the current situation and future goals and plan accordingly.

Get to Know Us

Holistic financial planning will put you in absolute control. At Brilliance Financial Solutions, our comprehensive, personalized solutions are carefully designed around your goals and need - from wealth management and wealth protection to retirement planning, business planning, tax, and estate planning. We are committed to helping you plan well so you can live well.