Our Council's fraternal counsellor is Sonny Sangemino. Sonny is available to set up an appointment to discuss the insurance and financial planning needs of our members and their families. He can be reached at Tel: 599-0084/ 599-0959 (fax) or by email at .

With assets over $10 billion and $51 billion of insurance in force, the Knights of Columbus has maintained a superior rating from independent ratings agencies over many years. Based on our solid financial foundation, we are in a position to provide a range of services relating to insurance, retirement, long-term care and estate planning.

For more information and background on the Knights of Columbus insurance program, check out the Knights of Columbus Supreme Council website.

SONNY M. SANGEMINO FIC, CSA

Brothers, we are about to embark on a new fraternal year. I thought it might be a good idea to summarize some of the newer things going on in the Knights of Columbus financial side of things. Should any Council wish, I would be more than happy to visit a General Meeting to describe these as well as the other benefits of the Knights in greater detail.

LIFE INSURANCE- The Knights of Columbus currently has one of the top ranked insurance programs in North America. We have phenomenal Term, Whole Life, Mortgage & Estate Planning insurance, with some of the lowest premiums in the industry. If you are currently holding life insurance with any other company or are currently looking for insurance, give us a call…you will not be disappointed.

GUARANTEED INVESTMENTS- The Knights of Columbus are in a position to offer members either Registered (RRSP or RIF) or Non-Registered investments on a GUARANTEED basis. We are currently paying 3.25% for 1 year and 3.50% on deposits over $10,000.00. We also guarantee that the money invested will never renew at less than 3.0% (3.25% on deposits over $10,000.00). These investments are creditor proof and probate free as well.

LONG TERM CARE INSURANCE- In 1999 the Knights established this new program for Members and their families. Long Term Care (LTC) is a program that pays for nursing care in your own home, assisted living facility or nursing/long term care facility. The Canadian health care system definitely does not provide for seniors who are faced with the enormous cost associated with a disability (whether physical or a cognitive impairment), now the Knights are in a position to help when a Brother or his spouse find themselves in this unfortunate situation. Our program is considerably less expensive and is significantly more comprehensive than the commercial companies’ policies.

ASSISTANCE SERVICES- Do you need help with budgeting, reducing debt or saving techniques? Do you have questions about an impending retirement or about a potential estate tax liability? These are all areas that I can help you with and I provide these services to Members and their families for FREE! We also assist in your time of need if there is a death in your immediate family. We can and will assist in several ways here are just a few:

• I will assist, if needed, with funeral arrangements.

• I will notify the Council so they may assist you and the family.

• If needed, I will assist in any financial matters.

• I will assist in filing claims with all companies if you wish.

• I will submit on your behalf for all pertinent CPP survivor benefits, Old Age security benefits or any Veterans benefits if applicable.

We will do all of the above as an absolutely free fraternal benefit. All that is required is that you or your family ask for assistance.

Please remember, this is YOUR fraternity. We were established in 1882 to protect our Members and their families in their time of need. We are still here 122 years later doing just that. If you have not sat down with me in the past or if it has been a while, give me a call and take advantage of what your fraternity has to offer.

On a personal note Julie, Natasha and I recently found out that we are expecting a new baby in March. Thanks to all the Brothers who extended good wishes and congratulations.

Sonny M. Sangemino FIC

Fraternal Counselor

(613) 599-0084 – Office

(613) 599-0959 – Fax