“We recommend Claro Cagulada for health, life, and critical illness insurance as well as for opening savings accounts like RESPs, RRSPs, and TFSAs. Our family has been his client for the last 11 years. He clearly explains why you will need that particular insurance and/or investment. Nothing is hidden, he is honest and trustworthy.
He responds right away if you call or text. He is of great help when you are in an emergency situation. He takes care of his clients and sees to it that you are not left behind. He is dependable.”
- Virginia Sumalinog and Aurelio Sumalinog
My client Primitivo Uy Jr., purchased critical illness insurance 6 years ago. On May 27, 2021, he suddenly experienced a heart attack and thankfully, he survived. After the 30 day survival period, he submitted a claim and in less than 2 weeks, he received the cheque benefit payment. Now, he can focus his full attention on making a complete recovery without any financial worries. All this was made possible due to his purchase of the critical illness insurance. I was pleased to personally present him his benefit payment. This picture shows me handing Primitivo Uy Jr., his cheque.
"We are so fortunate to have met Claro Cagulada when we first set foot in Canada. He has been instrumental to our quick and smooth adjustment to the Canadian way of life. Aside from being a true family friend, he is also our dedicated financial advisor. He is tireless and knows his craft when it comes to financial advising. He enlightened us on the importance of having insurances (life, critical illness, disability, family health and a dental plan), retirement and investment planning. Through him, we gain better understanding between registered savings and income accounts (RRSP, TFSA, RESP, LIRA) and non-registered accounts, tax-efficient investments and many more. We never felt pressure from him to get insurance or investment products. He is very thorough and patient in explaining the pros and cons of spending our hard-earned money, and he considers our financial capacity. Every year, he reaches out to provides us with the status of all our accounts.
It helps provide us with a certain peace of mind. We know that our family will have some financial protection in the event that either of us becomes disabled, diagnosed with a critical illness or one of us unexpectedly passes away.
It is also fulfilling to see the progress of our investments. Yes, we can check online, and we do it every now and then. Through the course of 11 years since we started investing, there were ups and downs in the financial market and economic turmoil, but overall the graph is pointing towards the north. We have been slowly and surely availing the fruits of our investments in TFSA and CSV line of credit using our family's permanent whole life participating plans which we recently used to purchase a travel trailer and a tow unit, and where the monthly payments are mostly covered by the investment earnings. It was a very cost-effective way of funding our lifestyles during the summer season in Canada.
We are very thankful and appreciative of Claro Cagulada’s assistance as he listens and advises us when we are in the midst of making any major financial decisions.
We highly recommend Claro Cagulada and his newly registered corporation ATC Financial for all your Insurance and financial planning needs.
Kudos and Congratulations to ATC Financial!"
- Elbert and Ovuline Pangan