Products to Match Your Unique Situation
Risk management is one of the key areas to build upon. Understanding we each have our own individual needs and concerns, we build upon your core benefits program to protect your financial future and those who depend upon you.

Best Value Pricing Every Day!
We scan the Canadian Life Insurance marketplace for every client to assure you get the best value for your limited or lifetime needs; based on the level of coverage, your age, sex and smoking classification. We are committed to the independent brokerage business model, and have contracts with the entire market to assure you the lowest prices and best value.

Tax Assisted Life Insurance Strategies
Life insurance programs can be structured numerous ways to take advantage of legitimate tax deductions, reducing the net cost of your coverage. In addition to employing these fully examined plans, we provide regular seminars to tax, legal, and accounting firms on how they might help their firms’ clients with these strategies. Whether a levered policy, creditor coverage for an approved lender or a charitable donation, each are custom suited to a client’s unique situation and fully discussed and approved by their own financial advisors. Belton Financial knows the best solutions are those which have the input and support of your accounting and legal professionals!

Challenging Underwritings
While relatively few cases are declined or rated, statistics help very little if you’re an individual who can’t get the coverage you need at an affordable price. Health issues, family history, dangerous hobbies, and foreign travel are just some of the issues clients deal with when applying for life insurance. Our high net worth client base has provided us with a unique perspective on the challenges of foreign travel to underwriting life insurance. We have developed relationships with insurers, reinsurers and specialty carriers to provide coverage where none was thought to be available. Belton Financial has operated for almost 30 years at the top of the life insurance market place and there is no one more effective at getting problem cases placed, effectively and affordably.


Access to Medical Professional
We have a senior medical specialist with many years of life insurance underwriting experience who provides specialized input into the most complex health issues – not purely from a medical perspective, but from an insurance medical perspective! This consultation takes place outside of both the life insurance industry and the provincial medical system. We analyze the medical challenges and can coach clients on what to do to reduce the risks before we present the case to underwriting.

Specialized Coverage
High risk hobbies and adventure travel present special challenges to placing insurance. The ten year joint venture that Roger Belton arranged with one of the world’s largest property and casualty brokers helped him develop strong relationships with the specialty carriers who can handle the risk of some of these activities as a complement to a regular life insurance program. Our goal is your goal: the coverage you need at a price that you can afford.