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Risk Management

Meeting the needs of our clients’ risk management and estate planning objectives often involves the use of insurance products. We ideally positioned ourselves to search the market from various companies for the best product for our client that suits their needs.

Life Insurance

Life insurance is one of the most popular types of insurance in the world and with good reason. The benefits are immense and everyone wants to make sure that their loved ones after taken care of long after the policyholder is gone. Life insurance gives an influx of cash when dealing with financial problems that often come with one’s passing.

The tax perks are great as the death benefits are usually free of income tax to the beneficiary. They may also be estate tax free if the policy is properly owned. Policy loans are income tax free and the life insurance policy can be exchanged for another life insurance policy without having recurring taxation.

Life insurance policies provide advantages with how flexible they are. At WEFCI ; we will work with you and adjust to your needs. Should the death benefit need to be lowered or the premiums need to be reduced, increased, or skipped we will be more than happy to assist you.

Health Insurance

Everyone should have health insurance, whether you are retired, in between jobs, or self employed there is a health plan for everyone at Carte Risk Management Inc. You want to make sure that you are taken care of in the event of an unexpected injury or illness. Carte Risk Management Inc. will help find you the ideal policy to help supplement the one the government provides. We offer a wide range of policies covering health, dental, prescription medication, and hospital.

You will be guaranteed coverage for any unplanned medical expenses, no overall lifetime plan maximums, and any pre existing medical ailments won’t ruin your chances for coverage. Health insurance can also replace lost income because of injury, sickness or a disability. It will cover hospital expenses that aren’t covered by your government plan and allow you to maintain your lifestyle and afford your day to day expenses.

Applying for health insurance is incredibly quick and easy and doesn’t even require a medical exam. You never know when an illness or injury may appear to you or a loved one so don’t wait until it’s too late. Contact us today at to get more information on our wide range of health policies to find the one that best suits you. Our operators are standing by to assist you with any questions that you may have.

Travel Insurance

One of the big benefits of travel insurance is that it covers you should you become sick or get injured during your vacation. They are crucial in covering the cost of visiting the doctor or getting hospitalized. Travel plans also cover prescription medications as long as your condition is covered by the policy, the medicine will be as well.

Should you suffer a serious illness or injury and need to be medically evacuated your policy usually pays for an economy round trip ticket for a family member to be with you for a short period of time. Here at WEFCI; we make sure to give you the best travel insurance possible, and have a wide range of policies to best suit your needs. While we have plenty of information throughout our website, feel free to contact us should you have any further questions as we would be more than happy to help you.

If you’re about to embark on vacation and are looking for a policy that will cover both the cost of travel and health then you should look into getting travel insurance. This insurance covers inconveniences such as lost luggage, medical evacuation, and illness.