Here you will find all sorts of information about my work as an Insurance and Financial Advisor. I provide all the tools, guidance, and support my clients need in order to succeed in the competitive marketplace. Take a look around and explore the various services I offer, some of the clients that I’ve partnered with, and some examples of the kind of work I do.
Top 5 Life Insurance Questions I can help you answer:
1. How much do I need?
2. What type of insurance should I get?
3. How do the policies work?
4. What company should I purchase from?
5. How do I find an advisor I can trust? :) You just did!
WHO IS THIS FOR?
Whether you're just getting started or getting ready for retirement we've got something for you. From tackling personal decisions to reaching important milestones, my job is to guide you on the path of success. As an Insurance and Financial Advisor, I guarantee great results. I’m fueled by my commitment to excellence and go the extra mile to make sure clients are fully satisfied with my work. Get in touch with me today for a free consultation.
PROTECT THE ONES YOU LOVE
Insurance comes in many forms. Life, disablilty, critical illness. Everyone needs something to protect both themselves, their business and those most important to them.
A good retirement requires a good plan and a good guide. Make sure your plan is on track.
What value is there in saving if you don't manage the investments right? Proven investment management can help you achieve your goals on time or even early!
As an Insurance and Financial Advisor, I know what it means to provide exceptional service and deliver outstanding results. I enjoy helping my clients achieve the goals they seek to see through. See what my satisfied clients have to say about the work I’ve done, and contact me today to see what I can do for you.
James is truly an independent advisor. He has no affiliation with any insurance or financial companies so his only bias is his experience. If you are in need of insurance or financial advice, and want someone who is knowledgeable, patient, not at all pushy, but above all trustworthy, I suggest you give James a call."
Enzo Sallese, M.A., LL.B.
James has helped me establish a program of paying myself first through investment and has advised and guided me through the integral process of protecting my family through insurance. As my needs grow and change throughout the years, I know that James will be there to help me make wise financial decisions. Trust is a crucial factor for picking an advisor and James has proven himself to be more than trustworthy, professional and knowledgeable. I am confident that he will meet your financial and insurance needs as well as he has met mine.
Steven Dykstra, LL.B.
James helped my husband and I get our life insurance in order when we were expecting our third child. His expertise helped us to make the best choices for our family. He even recommended a product that was less expensive than what we originally asked for, as it was a better fit for us. I give him my highest recommendation.
Amelia Leckey, Lawyer, Miller Thomson LLP, Toronto
JAMES J. HARGAN
What I do is very simple...
I protect families, spouses, children and businesses. We use life insurance to help pay off debts and replace lost income. I work with all the major insurance companies and offer the best rates available in the market for both term and permanent life insurance.
I also help people plan for retirement. I protect families by helping them save for retirement. I do this through an analysis of risk and need and may use mutual funds, segregated funds, GIC's, Term Deposits and even permanent life insurance. I offer investment products from all the major mutual fund and insurance companies in Canada. Mutual funds offered as a representative of Equity Associates Inc., a mutual fund dealer.
JAMES J HARGAN
Insurance and Retirement Planner
James has over 25 years experience in the insurance and investment industries. James began his insurance career working in U.S. Securities Compliance with Manulife Financial’s U.S. Individual Life Division. From there, he moved to marketing and then onto a management role with one of Manulife's Canadian Division offices in Toronto. In 1999 he decided to strike out on his own and became a financial advisor focusing on the high-income market, providing tax-efficient wealth management and life insurance solutions.
James has a BA from York University holds a mutual fund licence and is a life insurance agent in Ontario. He recently completed the Canadian Securities Course and is working towards his Certified Financial Planner designation. James is happily married, has two sons and lives north of Toronto.
InsureRight - Life Insurance Calculator
Are you protecting what’s most important?
Be sure. With InsureRight.
If something happened to you, you want to be certain you have the right coverage to protect your family, your lifestyle and everything you’ve worked hard to achieve. But there’s a lot to consider when buying insurance. What type of coverage is right for you? How much is enough?
With InsureRight, it’s simple to answer these questions. InsureRight will help outline what you need to consider so you can feel confident about the coverage you choose for your insurance needs. The InsureRight checklist is a great place to start. Begin with the step that’s right for you. And when you’re ready, visit InsureRight.ca for more tools that will help you take a closer look at your insurance needs.
For more information about InsureRight, please contact us.
Calculating Your Life Insurance Needs
The Insure Right Calculator is a service of Manulife Financial.
By providing some basic financial information, the calculator provides an estimate of how much life insurance you may need to cover the loss of income to your family should you die. Determining your life insurance needs should be done with the help of a financial advisor.
The above link is to a secure page on the Manulife web site.
It will open in a separate window.
Mutual Funds are provided through Equity Associates Inc., a Mutual Fund Dealer. All other products sold other than mutual funds are not supervised or the responsibility of Equity Associates Inc.
The information contained herein is for Ontario and BC residents only and does not constitute an offer to sell or solicit sales in any other Canadian or foreign jurisdictions. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments.
Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated.