We’re Mary and John Evans
We Found Simple Security That Gives Us Peace
Mary set down the stack of insurance brochures with a sigh, looking across the kitchen table at John. “I can’t make heads or tails of this,” she said, pointing to a pamphlet about segregated funds. “The language is so complicated, and I’m worried we’re missing something important. What happens if one of us passes away first? Will the other be okay?”
The Challenge…
After decades of dedicated service – John as a teacher and Mary as a nurse – the Evans were enjoying retirement in Halifax. Their combined pension income of $70,000 provided a comfortable life, but at 72 and 74, they faced new concerns about their financial security. Modern financial products seemed overwhelmingly complex, and they worried about making mistakes that could affect their remaining years together.
“These young salespeople come to the door talking about investment opportunities and insurance updates,” John said, adjusting his reading glasses. “Half the time I don’t understand what they’re selling, and the other half I wonder if they’re just trying to take advantage of seniors.”
Mary nodded, thinking about their friends who’d lost money in complicated investments they didn’t understand. “We worked hard for forty years. We just want to make sure we can stay in our home and that whoever survives longer will be taken care of. Why does that have to be so confusing?”The Breaking Point…
Their neighbor Eleanor’s move to assisted living after her husband passed away served as a harsh reminder of life’s uncertainties. Despite having “good insurance,” she couldn’t afford to keep their home on her reduced income. Mary watched the moving truck leave and felt a chill of fear. “What if that happens to us?” she whispered to John that evening.
Finding Saphira…
My breakthrough came through my church community. Pastor Williams mentioned that someone from Saphira Financial had given a retirement planning presentation at another local church, focusing specifically on seniors’ needs. “She spoke in language we could all understand,” he said. “No pressure, just helpful information.” When I called Saphira Financial, I was relieved to speak with someone who took time to listen. “Let’s talk about what’s important to you both,” their advisor said gently. “What would make you feel most secure about your remaining years together?”
The Solution…
Saphira’s advisor focused on simple guaranteed solutions that matched their conservative approach
Senior’s Life Insurance
Senior’s Life Insurance provided the foundation they needed. “This is specifically designed for people in your situation,” their advisor explained. “It’s whole life insurance that you can never outlive, with premiums that won’t increase. If either of you passes away, the survivor gets a guaranteed payout to help with final expenses and ongoing living costs.”
Final Expense Coverage
Final Expense Coverage eliminated their worry about funeral costs. “This smaller policy ensures your family won’t have financial stress during an already difficult time,” the advisor said. “It covers burial expenses, outstanding medical bills, and gives your loved ones time to sort things out without money pressure.”
Segregated Funds
Segregated Funds for their modest savings offered growth with guarantees. “Unlike regular mutual funds, these guarantee you won’t lose your principal investment,” their advisor assured them. “You can participate in market growth, but your original money is protected. Plus, they pass directly to your beneficiaries without going through probate.”
Income protection strategy
Income protection strategy helped them understand how to structure their pensions and savings for maximum survivor benefits. “We want to make sure the surviving spouse maintains as much income as possible,” the advisor explained.
The Difference…
We picked Saphira because they were patient and treated us with respect
She treats us with dignity, I said after our planning session. “She doesn’t talk down to us or rush through explanations. She makes sure we understand everything before we sign anything.”
Peace of Mind…
A year later, Mary and John have the security they were seeking. Their simple but comprehensive plan ensures they can remain in their beloved home, and whichever spouse survives longer will have the financial support needed to maintain their independence. “We sleep better now,” John reflects. “We know that our final expenses are covered, and we don’t have to worry about being a burden on our children. That peace of mind is worth everything.” When other seniors at church ask about their experience, Mary always says, “Find someone who respects your age and experience, and explains things clearly. That’s what real service looks like.”