Gold Key Investments Inc.

About Us

Welcome to the home of Gold Key Investments and Custom Chamber Benefits. Founded in 1980, we have been providing products and services in relation to personal insurance and investments for over 30 years. Our efforts to build strong, lasting relationships with clients has seen our company grow from a single office in Moose Jaw, to multiple locations across Saskatchewan. A dozen friendly, courteous staff are ready to help you with your insurance or investment needs and our highly knowledgeable agents can guide you toward a solution that best suits you.

CARRIERS

We deal with a wide range of the leading insurance companies so we can better provide flexible, tailored solutions to suit individual client needs.

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Insurance

Life Insurance

Whole Life

Invests in carrier controlled fund
No negative interest
Cash values
Potential for premium offset
Collateral leverage opportunities
More rate stability than a five year guaranteed investment certificate (GIC)

Universal Life

Invests in funds of your choice
Potential for high and low risk fund options
Cash values
Potential for premium offset
Volatility relative to chosen funds

Term (10/20/100)

Lowest cost for highest coverage
Premiums are level for selected term ( 10 / 20 / 100 year insurance )
Pay bare cost of insurance
No cash values
Convertible to Whole Life or Universal Life

Disability Insurance

Accident Only

24 hours a day coverage for accident only
Affordable premiums
Tax free benefits
Ability to allocate your benefit as you see fit
Coverage up to age 65

Accident & Sickness

24 hours a day coverage for accident and sickness
Flexible coverage amounts and options available
Tax free benefits
Coverage up to age 65
Guaranteed level premium
Ability to allocate your benefit as you see fit
Own occupation definition for disability
Partial disability is available
Overhead Expense coverage available

Critical Illness Insurance

Basic

Flexible coverage amounts and options
Tax free lump sum benefit
Flexibility in how to spend your benefit
Coverage available for up to three times your annual income
Covers you for heart attack, stroke, life-threatening cancer

Plus

Covers you for all of the above and additionally – Alzheimer’s Disease, Aortic Surgery, Aplastic Anaemia, Bacterial Meningitis, Benign Brain Tumor, Blindness, Coma, Coronary Artery Bypass Surgery, Deafness, Heart Valve Replacement, Kidney Failure, Loss of Limbs, Loss of Speech, Major Organ Failure on Waiting List, Major Organ Transplant, Motor Neuron Disease, Multiple Sclerosis, Occupational HIV Infection, Paralysis, Parkinson’s Disease, Severe Burns, Loss of Independent Existence

Group Insurance

Benefits of group insurance

Help retain employees
Tax deductible premiums
Provide your employees with superior coverage
24 / 7 coverage, worldwide
Tailor the coverage to your companies needs

Coverages

Life insurance
Accidental death and dismemberment
Short term disability (weekly indemnity)
Long-term disability (LTD)
Critical illness insurance
Health insurance
Drug coverage
Paramedical practitioners
Dental
Optical
Best doctors
Employee Assistance Programs (EAP)
Group registered retirement savings plan (RRSP)/defined profit sharing plan (DPSP) and group pension

Investments

We can offer guaranteed investment certificates (GICs), segregated fund policies and mutual funds.

Segregated Funds

Key points regarding segregated fund policies.

Potentially creditor protected
Can have beneficiaries attached to the funds
Ability to insure the principal
Wide range of investments

Investment Vehicles

RRSPs – Registered Retirement Savings Plan
LIRA – Locked In Retirement Account
GICs – Guaranteed Investment Certificate
TFSA – Tax Free Savings Account
RESP – Registered Education Savings Plan
Non-Registered Investment
High Net Worth Corporate Class Funds
RRIF – Registered Retirement Income Funds
LRIF – Locked in Retirement Income Funds
PRIF – Prescribed Retirement Income Funds
IPP – Individual Pension Plan
RPP – Registered Pension Plan (Group)
DPSP – Deferred Profit Sharing Plan (Group)
Group RRSP’s

Mortgages

Open or closed mortgages with varying term lengths
Fixed or variable rates
Lines of Credit

tmSolutions Banking products and services are distributed by The Great-West Life Assurance Company and is a registered trademark of Power Financial Corporation. National Bank of Canada is a licensed user of these trademarks.

Mutual Funds

Quadrus Investment Services Ltd., offers you a range of planning tools and support to help meet your investment needs.

Russell Patrick Macdonald
Investment Representative

Mutual Funds

RESPs, RRSPs and RRIFs
Labour-sponsored investment funds
Corporate class mutual funds
Charitable giving program
Tax-efficient monthly cash flow with D series mutual funds
Tax-free savings accounts (TFSA)
Registered Disability Savings Plans (RDSP)

Through Quadrus Investment Services Ltd., we have access to thousands of mutual funds, including the Quadrus Group of Funds – an exclusive mutual fund family that offers clients a multi-managed, multi-style approach by some of the world’s leading investment managers. Make your investment decisions wisely. Important information about mutual funds is found in the funds’ simplified prospectus. Please read this carefully before investing. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Unit values and investment returns will fluctuate. Insurance products, including segregated fund policies are offered through Gold Key Investments Inc. and Russell Patrick MacDonald offers mutual funds through Quadrus Investment Services Ltd.

Quadrus, Quadrus and design, Quadrus Investment Services Ltd. and design and Quadrus Group of Funds are trademarks of Quadrus Investment Services Ltd. used with permission.

Welcome!