Britanico & Associates Financial Services Inc.
Committed to bringing you peace of mind through personalized insurance and investment solutions.
A Solution For Every Need
Life Insurance
RESP
Disability Insurance
Critical Illness
Accident Insurance
Travel Insurance & Super Visa
TFSA
RRSP
FHSA
Accident and Sickness Insurance
Protecting Futures
Our mission is to help our clients achieve financial security. We’ve grown our insurance firm from the ground up, and we’ve accumulated 23 years of experience to ensure our clients’ security and safety through personalized insurance and investment solutions. We work with multiple insurance partners to offer you unbiased solutions based on your needs.
Assessing Need
As a full-service insurance and investment team built on the foundation of empathy, care and high quality client service, our aim is to develop long-term relationships with our clients and their families so that we can provide them with the support and guidance they need. We are committed to bringing you peace of mind by offering quality insurance and investment products and personalized service, helping you achieve your financial goals and live a healthy, happy life.
Our Professional Team
Nannette Britanico CLU, CHS, MDRT
A financial advisor since 2002, Nannette Britanico is an experienced insurance and investment specialist in Toronto and the GTA. She builds lasting lifetime relationships with her clients. Her mission is to serve and help families through her years of knowledge in the financial services industry, her expertise and her track record of success in finding the right insurance and investment solutions. She is a Chartered Life Underwriter, a Certified Health Insurance Specialist and a Lifetime Million Dollar Round Table (MDRT)™ Member; an honourable accreditation that less than 1% of life insurance and financial services professionals achieve globally.
Nannette Britanico
President
CLU, CHS, MDRT
Jethro Britanico
Insurance Representative
Estrella Mercurio
Insurance Representative
Evangeline Lagazo
Insurance Representative
Janine Paula Garcia
Administrative Assistant
Building bridges to secure your future
What Our Client Says
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Frequently Asked Questions
There are three types of life insurance: term, permanent and universal. Here are their main features:
Term life insurance
Term life provides flexible, affordable coverage for your temporary needs. It protects you and your family for a predetermined length of time, covering your financial obligations in the event of death. This is the perfect solution if you have dependent children and a limited budget, or if you have loans to pay off in the short and medium term, like a mortgage loan, and your budget is tight.
Permanent life insurance
This type of insurance will cover you for your whole life and will provide permanent coverage to your family and estate. It is typically taken out by those who want to leave an inheritance, ensure the continuity of their business or simply remain insured even if their health goes downhill or is diagnosed with a critical illness.
Universal life insurance
Finally, there is universal life insurance, a combination of permanent life insurance and savings. By opting for this insurance, you will be covered for your whole life and could save by enjoying some tax benefits. This solution lets you leave a more sizable inheritance and to protect the value of your business. It’s also a good savings option if you’ve already maxed out your RRSP et à and TFSA contributions.
Participating life insurance
Participating life insurance is permanent coverage that allows you to increase your net worth is a fiscally advantageous manner. They key advantage is that it allows you to earn dividends, which increases the value of your death benefit and your surrender value.
It’s a more expensive insurance solution designed to meet the needs of those who want to maximize the value of their estate, generate cash flow or diversify their investments.
Yes, the surrender value can be used at any time but taxes may apply.
When speaking with us to set up your policy, we can review your policy and recommend changes to ensure you and your family have proper coverage based on a risk assessment profile.
