Scott McMullan - Howe Harrell & Associates

do you have the banks life insurance on your home or business mortgage or loans? Call now and let us show you how to better protect your family and business

Scott McMullan - Howe Harrell & Associates is now on WhatsApp.

Did you know that getting a new term life insurance policy at renewal time can save you money over letting your term insurance auto-renew? Call me now to see how I can save you $ on your insurance needs. 204-761-2678 [email protected]

As a financial and insurance advisor I have been very fortunate to be able to keep working but many have not. Please read and sign the petition below if you feel like I do that small businesses who are following the proper safe protocols should be able to open. http://promo.cfib-fcei.ca/savemanitoba/?fbclid=IwAR0Km3LNwD3C24IO7-FYxB8aK-n0cniU7sMwIwVKk6f7CsSDDSHokFpsYfM

http://promo.cfib-fcei.ca/savemanitoba/ Closing our local shops to only essential items during the holiday season means hundreds of businesses will not survive. Business owners and their families are losing their futures and many will lose their homes. Employees will lose their livelihoods. Our communities will lose their rich diversity.....

Mortgage rates in Canada are at all time lows. Are you buying a home or is your mortgage coming up for renewal. Canada life Mortgage Rates are 1.59% for insured mortgages and 1.74% for conventional. Call now for details. Scott McMullan 294-761-2678

Congratulations Melissa Harrell. Very proud to work with and for Melissa and Sean. They have helped me out with my investment and insurance business from day one even when I didn't belong to thier firm. It was a no brainer who to join when it came time to join a firm. Our company has years of experience in financial planning, life and living benifit insurance as well as group retirement and benifits solutions.

2020 Influential Businesswoman Awards We are so proud to be running the Influential Businesswoman Awards for what is now the fifth year. The team at Acquisition International wholeheartedly believe that encouraging, nurturing and promoting women to take part in entrepreneurial endeavours and providing opportunities in market-based enter...

Mortgage rates have dropped again. 5 year fixed high ratio now 1.69%. And 5 year fixed conventional is 2.84%.. https://media.giphy.com/media/l0IylQoMkcbZUbtKw/giphy.gif

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Mortgage rates are now at all time lows in Canada. Our Canada Life 5 year fixed rate mortgage is now 1.97% for high ratio and 2.12% for conventional. We can also show you the benefits of getting a term insurance policy over the banks mortgage life insurance. Call now if you are in the market for a mortgage or for a no obligation insurance quote to get you out of your banks mortgage insurance and into an insurance policy that your own and does not decline like theirs.

Great way to explore this beautiful park

You can now explore Clear Lake and RMNP by eBike thanks to new service Adventure seekers, Riding Mountain National Park-area visitors and day trippers now have at their disposal a f...

Homes still seem to be selling well in and around Brandon. Canada life mortgages rates are very low right now.
5 year fixed insured 2.11%
5 year fixed conventional 2.26%

Call now if you are buying a home or your mortgage is coming up for renewal.

Scott McMullan 204-761-2678

A surprise for borrowers on the horizon who took advantage of the deferred mortgage payments. Now at renewal they could be forced to accept what ever the bank is offering and not able to switch lenders for a better rate.

Brokers, borrowers, the Big Six: Who dropped the ball on mortgage deferrals? Four months into the COVID-19 crisis, Canadian homeowners are still unsure of the details around deferring mortgage payments

An argument for not getting your mortgage at a bank Plus 10 rookie investing blunders

For borrowers who are experiencing financial hardship because of COVID-19, MERIX is here to help. We are pleased that our three Mortgage Insurer partners at CMHC, Genworth, and Canada Guaranty are providing assistance including up to 6 months of mortgage payment relief.
UPDATE: we now have a team dedicated to those financially impacted by COVID-19, if you require assistance please contact us at 1-877-637-7811 or [email protected]

Good luck to all those who have started or about to start tryouts for their perspective teams

Scott McMullan - Howe Harrell & Associates

Are you Prepared?

As a Financial and Insurance planner, one of my jobs is to help protect you family. Please read and share this valuable information on what you can do to protect your family in the event of an emergency from financial hardships.
Are You Prepared?
Written by Scott McMullan Created: 12 April 2019


Everyone of us has had a serious health incident affect themselves, a family member or a close friend. Quite often they are not prepared for this event. We are happy to help out where we can when someone we know is affected in the forms of Go Fund Me Donations, making meals, taking care of kids. It often makes us reflect upon our own situations. Am I prepared if something were to happen to me? What can I do to be prepared if something were to happen to me? Here are few insurance options that can help you and your loved ones be protected if something were to happen to your or a family member.

1- Life insurance- What is your number? How much insurance do you need? Most of us have life insurance to cover off debts (mortgage, loans, etc.), but do you have enough to replace your income for a certain number of years so your family doesn’t have to struggle if something were to happen to you?

2- Critical Illness insurance- With a person’s chance of getting cancer now almost 1 in 2 in their lifetime, CI insurance will pay out a lump sum amount that the insured can use for income replacement, savings, treatment elsewhere, or whatever they want. You can even add return of premium so that when the policy is over and you never used it, you get all of your money back.

3- Critical Illness for Kids- This is a very hard concept for a lot of people. They feel it is profiting off of their kids. But if a child contracts a critical illness, this lump sum is paid out. This money can help take time off to care for the child while having this money as an income replacement. Add return of premium, and if the insurance is not used when the child turns 25, you get all of your money back. This can be given to the kids as a kick start to their young lives or keep it for yourself, whatever you choose.

These are just a few options we have At Howe Harrell & Associates to plan for your families future. Call now for a review of your insurance of investment panning.

https://www.hhaa.ca/blog/273-are-you-prepared

Howe | Harrell and Associates

Are you Prepared?

As a Financial and Insurance planner, one of my jobs is to help protect you family. Please read and share this valuable information on what you can do to protect your family in the event of an emergency from financial hardships.
Are You Prepared?
Written by Scott McMullan Created: 12 April 2019


Everyone of us has had a serious health incident affect themselves, a family member or a close friend. Quite often they are not prepared for this event. We are happy to help out where we can when someone we know is affected in the forms of Go Fund Me Donations, making meals, taking care of kids. It often makes us reflect upon our own situations. Am I prepared if something were to happen to me? What can I do to be prepared if something were to happen to me? Here are few insurance options that can help you and your loved ones be protected if something were to happen to your or a family member.

1- Life insurance- What is your number? How much insurance do you need? Most of us have life insurance to cover off debts (mortgage, loans, etc.), but do you have enough to replace your income for a certain number of years so your family doesn’t have to struggle if something were to happen to you?

2- Critical Illness insurance- With a person’s chance of getting cancer now almost 1 in 2 in their lifetime, CI insurance will pay out a lump sum amount that the insured can use for income replacement, savings, treatment elsewhere, or whatever they want. You can even add return of premium so that when the policy is over and you never used it, you get all of your money back.

3- Critical Illness for Kids- This is a very hard concept for a lot of people. They feel it is profiting off of their kids. But if a child contracts a critical illness, this lump sum is paid out. This money can help take time off to care for the child while having this money as an income replacement. Add return of premium, and if the insurance is not used when the child turns 25, you get all of your money back. This can be given to the kids as a kick start to their young lives or keep it for yourself, whatever you choose.

These are just a few options we have At Howe Harrell & Associates to plan for your families future. Call now for a review of your insurance of investment panning.

https://www.hhaa.ca/blog/273-are-you-prepared

hhaa.ca Howe Harrell and Associates’ mission is to be the first point of contact for all your financial needs. We work with our clients to help ensure all their financial needs are met – from personal to corporate.

Introducing ‘Brandon brings you back’

What does everyone thing of the new Brandon brings you back slogan and logo. I am a bit on the fence. Keep it clean and post comments below please.
https://www.brandonsun.com/local/Introducing-Brandon-Brings-You-Back-508300161.html

brandonsun.com City officials are hoping Brandon’s new logo and slogan help increase tourism to the Wheat City. The effort is part of an initiative by Tourism Manitoba to refresh the tourism brand of communities around the province.

Excited to share the news that Howe Harrell & Associates have asked me to join their successful firm. Same great service and personality you have worked with over the years, now bringing more values and resources to the Western Manitoba clients of Howe Harrell & Associates. From basic insurance, to complex tax & estate planning I am proud to be part of a team that helps thousands of Manitoban's with their personal and corporate finances. For my current clients, nothing changes but the company name on the statements. Being part of HHA alows me to keep all current products while expanding my offerings to all current and future clients.

Congratulations to Jodi Fawcett for winning the draw for the Lava seat. Stay tuned for some exciting announcements on this page .

TD denies woman’s insurance even as she awaits bone marrow transplant

I became an insurance advisor 6 years ago so I had a far superior insurance product for my clients. Mortgage insurance products are not the best insurance for most people’s needs. Cases like this are a big reason I became an insurance advisor. This case was mortgage Critical Illness insurance. If you have Mortgage life, Critical Illness or Disability insurance, call now to make sure you have the best coverage available to you. Getting it through your mortgage provider can leave you without.

globalnews.ca Bianca Williams needs chemotherapy, radiation and a bone marrow transplant, but TD Bank’s insurance arm has denied her critical insurance claim.

Protection from the unexpected - Freedom 55 Financial

Chances of getting cancer in ones lifetime is now almost 50%. How can you make sure you protect you and your family? critical illness insurance will pay to a tax free limo sum if you get cancer, heart attack, stroke or a list of 21 other life threatening diseases. Plus with return of premium, if you don't use the policy, you get all of your money back.

freedom55financial.com Learn why your financial security plan should include critical illness insurance in case you experience a life-threatening illness.