APF Insurance and Financial Services

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Pivotal Select

Posted on October 24, 2013 at 4:55 PM Comments comments (0)
There's a new generation of of "Equitable Life's" segregated funds, called 
Pivotal Select, available as of this month!


"Pivotal Select includes two guarantee classes: Investment Class 75/75 and Estate Class 75/100. Estate Class targets investors who want to grow their savings with the protection of enhanced guarantees, while Investment Class is well-suited for investors who want to build their portfolio with flexibility and maximize their growth potential with the lowest fees. Together, they build a product ideal for investors' savings and retirement needs, and are particularly suited to today's challenging markets." -https://advisor.equitable.ca/advisorhome/whats_new/pivotal_select.asp" target="_blank">Equitable Life

Notable Features


  • Access to 28 segregated funds from 6 distinct Canadian fund managers
  • Dollar Cost Averaging
  • A selection of Death and Maturity Benefit Guarantees to suit your needs
  • Easily switch between investment options and fund managers
  • Guarantee Resets available on Pivotal Select Estate Class to protect market gains


With a guranteed death benefit, a reset option (once per calander year up to the Annuitant's 80th birthday), a maturity benefit guranteed, among many other features (new fee structures, new funds, new gurantee class and new marketing material), this is an investor-friendly package! 

For more details on benefits, contracts, features and how to sign up contact your an APF agent today!


Investment Basics

Posted on September 4, 2013 at 5:30 PM Comments comments (0)

Here's a few neat articles/links for tips and important information as well as questions some of you might have!

Check it out:


Financial Planning

Posted on February 27, 2013 at 1:00 PM Comments comments (0)

Now is as good a time as any to Get Smarter About Money!

With the fluctuating economy, and our fast-paced lives it's a wonder we can organize our finances at all let alone effeciently!

No matter what your age, financial status, or whether you're independant or dependant, everyone needs the proper information and knowledge to create a money-smart life for themselves!

See what you can do to become more savvy with your finances at www.getsmarteraboutmoney.ca!

And to encourage financial awareness among our younger generations Inspire Financial Learning is a great place to get the information needed, to teach young people what they should know in order to be better equipped for creating a money-smart life!

Last Chance!

Posted on February 22, 2013 at 5:10 PM Comments comments (0)

Start an RRSPs account before March 1st, and get a deduction on your 2012 taxes! Increase your tax return! 

Call or contact us right away and get started! 

Insurance and Investment Seminar!

Posted on July 10, 2012 at 10:45 PM Comments comments (0)

Come join us at Capri Hotel for a complimentary breakfast, a great opportunity to get fresh views on how to take advantage our latest economic hardships, learn about new ways and techniques to invest and insure, and have any of your insurance and investment related questions answered!

Email us if you're going to join us!

Or go to the facebook event page here, and hit "join" or "going"!

Invite your friends, and we look forwards to answering all your questions!

Walton Investment Opportunities!

Posted on July 10, 2012 at 10:45 PM Comments comments (0)

Hello All!


With the recession gradually winding down many local and national home builders are trying to take up land positions in certain areas of growth in Canada and the US. The problem is that the cities that are growing have a very limited supply of pre zoned land .. in most areas not enough to supply the demand for the growing population in these cities.


Walton, a 33 year old company is a dominant owner of zoned and entitled land in these areas of growth, they allow for a certain amount of outside investment from ordinary people using cash or registered such as RRSP’s and TFSA’s.


The opportunity is staggering and one that doesn’t come along everyday but based on economic times clients can invest in areas that are typically reserved for the wealthy or engineering firms.


The company has never lost money, they use cash to purchase land in the path of urban growth and they have produced annual returns over 20%.


To make reservations for a tour of some of the possible land/properties you may invest in, please contact me via Facebook, Email, or Phone asap! Thursday is the deadline!



Thank you so much for you support and continued interest!


~Kara Sangha

Cell: 250-863-1274



Posted on June 29, 2012 at 3:40 PM Comments comments (3)

Parents and grandparents of Canadian citizens and permanent residents have a new option for visiting Canada. As of December 1, 2011, you may be eligible to apply for the Parent and Grandparent Super Visa and enjoy visiting your family in Canada for up to two years without the need to renew your status.

To apply for the Parent and Grandparent Super Visa, you must:

  • be the parent or grandparent of a Canadian citizen or a permanent resident of Canada;
  • be found admissible to Canada; and
  • meet certain other conditions.

For information on how to apply, or for a free consultation contact us right away!

"Insuring" Affordability!

Posted on June 26, 2012 at 3:50 PM Comments comments (0)
Everyone needs the right coverage, but not everyone can afford it. 

Let us make that easier for you
Now, when accquire your disability insurance, you can 
get critical illness coverages built into your disability insurance,
without paying a dime more! 

Call now for a free consultation and find out how you can save 
while getting yourself or a loved one properly insured!

Quote of the day- 26/06/2012

Posted on June 26, 2012 at 3:45 PM Comments comments (0)


"Happiness is when what you think, what you say, and what you do are in harmony."

-Mahatma Gandhi


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