about agent

Through the use of computer software, term/mart is able to compare the rates and specific design of products from over 60 leading Life Insurance Companies.

Our computerized Quotation System details the design and premium structure of virtually every competitive product available in Canada. By applying interest and tax parameters, we analyze and compare products to determine the most suitable type of policy for each specific application.

We find premium variances that can be over 200% for the same type of policy.

We specialize in Corporate and Individually-owned Life Insurance, Employee Group Benefit Plans and Professional Disability Products.

Our primary objective is to provide for our clients, on the basis of multi-company marketing, the most suitable and competitively priced products available.



Carl Eppstadt, CLU, CH.F.C., CFP
SPECIALTIES:
Financial, Retirement, Estate and Tax Planning. Mutual Funds, Insurance Products, RRSPs, RRIFs and Annuities.

Mr. Eppstadt has been providing independent financial strategies in the Ottawa area since 1978. He is the president of Future Financial Planning Group and Term/Mart Insurance Agency Ltd. He is a Chartered Life Underwriter (CLU), a Chartered Financial Consultant (CH.F.C) and a Certified Financial Planner (CFP).

Mr. Eppstadt holds a mutual fund license, which is sponsored by one of Canada’s largest, independent mutual fund dealers, CMG- Worldsource Financial Services Inc. He also holds a Class II Life Insurance License which allows him to deal with most life insurance companies, rather than being affiliated with only one life insurance company.

Associations and Memberships include:

  • The Canadian Association of Financial Planners
  • Ottawa Estate Planning Council
  • Canadian Association of Insurance and Financial Advisors
  • The Institute of Chartered Life Underwriters and Chartered Financial Consultants
  • Independent Life Insurance Brokers of Canada
  • Contributor to the Financial Post
  • Speaker on Retirement, Estate, Pensions, RRSPs, RRIFs, Mutual Funds, Insurance and Investments
  • Subscriber to Compulife software, a Canada-wide life insurance shopping service
  • Subscriber to the Canadian Annuity Exchange (Cannex), a Canada-wide GICs, annuity shopping service
  • Subscriber to The Source mutual fund analysis software