Clarissa A. Rix, Life & Health Insurance Consultant

An unexpected gift from my Managing General Agency, PPI. So incredibly thoughtful 🥹

Grading gifts for my children and a lovely bottle of Nova 7 pour moi… was even hand delivered by my favourite business development manager

Thank you all so much, so very pleased to have you on my team 🙏

June 20th was an amazing day spent with brilliant Women in Business at the 3rd Annual WE WILL GOLF tournament hosted by MNP, TD & McInnes Cooper!

A huge thank you to all the of the sponsors, the ladies who cooked in the hot sun with us, to Kerry Maher for her incredible coaching skills, and to Indian Lake Golf Course for having us!

Always a great feeling to see a course full of women!

I love building insurance solutions that best serve my client's needs and budgets. Reach out if you're interested in seeng what I can do to help better protect you and your family... at the best price.

902.401.4643
[email protected]

Challenges of working from home with a puppy. For the first and last time, my sweet Cocoa decided she didn’t want me to be on the phone, she found the most obnoxious toy in the house (the kind that honk on bite, and squeal on release ☠️😨) and relentlessly played with it. Similar to a child trying to grab your attention while on an important call “mom, mom, mum, mummy, mom, mom, mom, mummmmmmy, hey, hey, look at me). I am grateful this client has young children, and was understanding of the situation at hand.

The toy has since gone to live with our Elf on The Shelf Buddy.

Beautiful day on the golf course with my pals from Belmont Health & Wealth ☺️

Being self employed in a single income household can be a scary thing, especially when you’re attempting to build a business that is mostly based on trust. Trust takes time.

Over nearly a decade, these unwaivered fundamentals in my business have helped me build a professional reputation for which I am proud:

1. Know my clients, and always do right by them.
2. Help without compensation where I can.
3. Treat each case with the same care and attention.

I am grateful for where I am today, and am happy to be recognized, and valued for the passion I have in helping people protect the things that matter most. I love my work.

… here I am, listed as a trusted professional for Life & Health Insurance with the Chelsea L Real Estate Team ❤️

Cluett Insurance

Today marks 2 years since partnering my business with Cluett Insurance!!!

Although apprehensive at first, I can now say wholeheartedly that it was the best decision I could have made. I value their trust in me as an advisor, and am proud to support their brand. In the last 2 years I have seen growth and opportunity, with access to support all along the way. It's been pretty amazing.

Cheers to the journey that lies ahead, and Cluett Insurance you can count on me to continue contributing my very best to our shared success.

Clarissa

Lovely lunch with Forrester’s financial/Canada Protection Plan today . Happy to be recognized for my service as an advisor, and learn about the new and upcoming benefits for my clients ❤️

Bailey ‘s team Twisted just did so well 🥰 Love you Bee, super proud of your commitment and dedication to this team sport ❤️… medal for sure today!

(Was rushing to get here… so I’m still wearing my dog park clothes, complete with a pocket full of freeze dried beef liver😂)

Super pleased to have been invited to sponsor the The Halifax Real Estate Network 's spring mixer. Colin Oldreive my Home & Auto partner will be joining me at this event. If you see us, please come over and say hello!

Cluett Insurance - Choice Nova Scotia brokers for all of your insurance needs.

This is love, dog park in the freezing rain 🥶🖤🤎🐾

Seriously though... Having life insurance to cover your mortgage & other debts is super important, as debts must be cleared before anything can be left for our people.

If the only asset in your name is your house when you die (and it has a mortgage), without insurance here's what can happen:

1. The indiviual(s) you intended to leave your house to will need to pay out your debts, and either buy out or re-mortgage the house in order to keep it. Lots of work, Lots of $$$

2. If there is no money available, or opportunities for financing, your house will need to be sold in order to pay the mortgage off and clear debts (funeral costs, credit cards, etc...). Whatever is left can then be distributed. Lots of time, work & $$$.

Having life insurance guarantees a lump sum, tax free benefit is available to take care of business when you're no longer here to do it- releaving a lot of stress, and finaincial strain for your loved ones.

If you are without Life Insurance, please reach out to me to help. Even if you've been declined in the past, or you feel that you are hard to insure... allow me the opportunity to try for you, I'm really good at this.

Also, If you feel you're covered with your "mortgage life insurance", send me a message, as I'm confident I can get you much better coverage for half the price.

Thank you for taking the time to consider this information, and I hope to connect with you soon!

Feel free to share 🙂

~Clarissa

Call now to connect with business.

Life Insurance is Love Insurance 💞 Guarantee your family financial security.

Send me a message, call or text 902-401-4643 to connect for a quote ~Clarissa

Do you have family or friends living in Canada on a visa? Since
the government doesn’t cover their emergency medical costs, it’s
important to make sure they’re covered for the unexpected. Listen
to Patricia and Charles’s story to find out why it’s so important, then
call me to discuss coverage for your loved ones.

Patricia and Charles travel insurance review Patricia and Charles share how visitors to Canada travel insurance helped them.

Mortgage & Loan Protection (the kind offered by the bank, or lender) is a simplified, quick fix, life insurance option presented to you at the time you sign on the dotted line. As this coverage is easy to get, the premiums (mothly payments) are often much, much higher... with specific fine print you should be aware of.

Unfortunately, this information is rarely communicated to the consumer at the time of application, simply because the professional presenting the offer does not have the knowledge, qualifications or licensing needed to talk about Life Insurance. It is presented to you as an "add on", and if you don't have any exisiting life insurance in place, checking the "yes" box to keep your family safe is the responsible thing to do.

Examples of clients who found savings by reviewing, and then chosing to replace the life insurance on their loans...

Was $145/month... now $49/month
Was $97/month... now $34/month
Was $208/month... now $118/month

Saving money is only one of the many reasons to have life insurance independent of your debts. If you made the choice to check that "yes" box to apply insurance to your loan, good work! Excellent decision, as it shows you have an understanding of the value in protecting your family, and assets with insurance. Now, let's take it a step further and review your coverage and see about an alternative policy you can count on, at a much better value

Clarissa
902.401.4643
[email protected]
Nova Scotia | New Brunswick

Cluett Insurance Cluett Insurance is your insurance broker of choice in Nova Scotia and PEI. Let us help you choose the right insurance coverage for you.

Patiently waiting for mom to get through her emails, so we can go to the park 🖤🤎🐾

As we learned in our Will's 101 session, all debts attached to real estate and personal property must be paid in full prior to being distributed to heirs. Life Insurance is the number one solution for this need.

Mortgage Life Insurance (the kind offered by the bank, or mortgage lender) is a simplified, quick fix option for your 'real' estate needs. As this coverage is easily obtained, the premiums are often much higher, with specific fine print to be aware of. Unfortunately, this information is rarely communicated to the consumer at the time of application, simply because the professional presenting the offer does not have the knowledge, qualifications or licensing needed to speak specifically about Life Insurance. The Mortgage Insurance product is presented to you as an "add on" at the time of closing, and if you don't have any exisiting life insurance in place, checking the "yes" box to keep your family safe is the responsible thing to do. If you die, your mortgage balance should be paid out direct to the lender (this is where the fineprint is important to know).

For the client mentioned in the graphic, he was previously life insured on his mortgage debt through the lender, upon review I was able to find an excellent, personally owned alternative. The calculated savings over 10 years = $11,460.00! If he dies, there will be a lump sum, tax free payout to his beneficiary, enough money to cover ALL of the financial needs associated to his estate - not just the remaining mortgage balance.

Saving money is only one of many reasons to have life insurance independent of your debts. If you made the choice to check that "yes" box on your Mortgage Insurance application, good work! That was a great decision, as it shows you have an understanding of the value in protecting your family, and assets with insurance. Now, let's take it a step futher and secure replacement coverage that you can count on, at a much better value.

I'm passionate about the work that I do, and it would be my pleasure to help. Please call, text or email for assistance with reviewing your Mortgage insurance, and allow me to explore alternative options for your protection.

Clarissa
902.401.4643
[email protected]

Sweet girl making Friends 🖤🤎🐾 hope you had a chance to take in some fresh air and lovely weather today!

Tonight's the Night!

Have you been thinking about getting a Will done?

Tonight at 7:00pm AST, my friend, and Associate Lawyer Amanda Brousseau will be joining us to share the important details to consider when planning your Will. If you have questions, she’ll answer those too 🎉

Examples from the last session:

What happens with your children, personal property, and assets if there is no Will?

Probate Fees & Estate taxes? What are they, and are there ways to pay less of them?

What can happen if you're not legally divorced, or you're in a common law partnership?

Will Kit vs. Professionally prepared... what's the difference?

Please send me a message for a link to join the Session!

Clarissa Rix

🚨PSA! 🐕‍🦺🐩🦮🐕🦴🖤🐾🤎

Cocoa Bear and a few puppy pals went to check out the new Dog park(s) on Troup Avenue in Burnside! What a brilliant spot, complete with covered picnic areas, double gated entry, and agility structures! There are two gated areas, one for smaller pups, and one for larger!
Well done 🙏👏🏼

Have you been thinking about getting a Will done… and haven’t pulled the trigger?

Wednesday next week (February 7th, 2024, at 7:00pm AST) I’ve asked my friend, and Associate Lawyer Amanda Brousseau to share the important details to consider when planning your Will. If you have questions, she’ll answer those too 🎉

Examples from the last session:

What happens with your children, personal property, and assets if there is no Will?

Probate Fees & Estate taxes? What are they, and are there ways to pay less of them?

What can happen if you're not legally divorced, or you're in a common law partnership?

Will Kit vs. Professionally prepared... what's the difference?

Date: February 7, 2024
Time: 7:00pm AST
Location: Online
Cost: Free

Please send me a message if you’d like to attend!

Clarissa Rix

Couldn't make the first session? Don't worry, I've got you...

Wills 101, Round 2: February 7th, at 7:00pm AST!

Associate Lawyer, Amanda Brousseau of DCL Law will be back again to walk us through the important things to consider when planning your Will.

Examples from the last session:

How assets and property are distributed, and the care/guardianship of children are decided in the absence of a Will

Probate Fees & Estate taxes, ways to pay less

What can happen with your assets if you're not legally divorced, or you're in a common law relationship?

Will Kit vs. Professionally prepared... what's the difference?

This session is free, there is nothing tied to it. I'm simply offering this information to help you better understand how your Will works to protect your loved ones after you die.

You do not need to be a current client hop in on the session.

Date: February 7, 2024
Time: 7:00pm AST
Location: Online
Cost: Free

Please send me a message with your email address, and I will happily add you to the session!

Clarissa A. Rix
Clarissa A. Rix, Life & Health Insurance Consultant
902.401.4643

Today at 12:00pm!
Do you have questions about Will Planning?

Don't worry, I've got you!

Please join us today at noon! Associate Lawyer Amanda Brousseau of DCL Law has offerred her time to help us better understand the process of Wills & Estate Planning.

You do not need to be a current client hop in on the session. I am offering this as an opportunity to learn how Will planning greatly benefits your loved ones.

Open to Nova Scotia Residents
Date: January 23, 2024
Time: 12:00pm AST
Cost: Free
Please send me a message with your email address before 11:30am AST for the session link!

Clarissa A. Rix, Life & Health Insurance Consultant
Cluett Insurance
902.401.4643