• Currey Insurance

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In Memoriam


Strong History

In operation since 1953, Currey Insurance has the experience and strong history to provide insurance and investment advice.

A Name You Can Trust

Michael Currey has been serving the Ottawa area since 1976 in all realms of insurance services, and is a name you can trust.

Peace Of Mind

The Currey Insurance family help you achieve your financial goals, and provide you and your family with peace of mind.

Insurance services

At Currey Insurance, our goal is to provide you with all your insurance needs while educating you with all the various options. We offer a wide variety of services and our team will be happy to walk you through all plans.

Term Insurance

Term Life Insurance is the most basic form of life insurance. It provides coverage for a predetermined period of time and builds no cash value.

Whole Life Insurance

Also known as permanent life insurance, Whole Life Insurance is intended to provide coverage for as long as the life insured lives.

Universal Life Insurance

Universal Life Insurance is a relatively new concept of insurance, and originally became popular in the 1980’s.

Critical Illness Insurance

Critical Illness insurance was introduced to Canada in the early 1990’s, and provides a lump-sum benefit to an individual who is diagnosed with a specified serious life altering illness or medical event.

Disability Insurance

Disability Insurance offers the financial protection to an individual who becomes unable to work because of a health impairment.

Long Term Care

Long Term Care Insurance is an option available to prepare for the financial hardships associated with failing health as we age.


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  • We have been very pleased with the financial planning services that Shane has provided at Currey Insurance. Prior to us working with Shane, our investment portfolio was mediocre at best, and we were very concerned for the growth of our investments. Shane put us at ease, and within the first six months he was able to turn things around so that we were generating a profit.

    Juliette H, Owner / Operator of Healthcare Business

  • Currey Insurance takes the time to really know their clients which gives me every confidence that not just my financial goals are well understood but also my comfort level. They have always been available to answer any questions or to explain options within my portfolio. Currey Insurance has played an integral role in building my financial well-being and I trust them with both my personal and business portfolio. I feel as though they truly care and I have never hesitated to refer family and friends for the same outstanding service. Thank you!

    Tania Z., MD.

What are you waiting for?

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We offer a wide variety of investment options as shown here on our site, however our doors are always open if you want to setup an appointment and learn more about how we can help you.

  • We welcome all questions
  • Our team is always ready for you
A Segregated Fund is an investment fund that combines the growth potential of a Mutual fund with the security of a Life Insurance policy due to its guarantees. Similar to Mutual Funds in that they are a professionally managed group of investments (stocks, bonds etc.) Segregated Funds offer the investor guaranteed death and maturity benefits as well as other advantages such as creditor protection and freedom from estate or probate fees.

Registered Retirement Savings Plans (RRSPs) are investment accounts that provide tax benefits for retirement savings in Canada.

RRSPs refer to a provision in the Income Tax Act that allows a person to shelter financial property from taxes. Examples of financial property that can be held within an RRSP are: cash, Segregated Funds, stocks, bonds and Guaranteed Investment Certificates (GIC’s). You receive an income tax deduction with each investment which then grows tax-free. You only pay tax once you start to withdraw the funds.

When an inividual turns 71, he or she has three options, withdraw all of their funds and pay the taxes immediately, or convert their RRSP into an Annuity or a Registered Retirement income Fund (RRIF). A RRIF allows the investor to continue sheltering the money from taxes but they must withdraw a minimum specifc amount each year following the creation of the RRIF.


A Locked-In Retirement Account (LIRA) is an investment account specifically designed to hold locked-in pension funds for former plan members, current/ former spouses or common-law partners.

Funds held within the LIRA typically do not become available to policyholders until retirement. At a time of termination within a registered pension plan, policyholders must transfer the funds within the pension to a Life Income Fund (LIF).

A Life Income Fund is a vehicle designed to hold and distribute locked-in funds. LIFs are subject to the same taxation laws that apply to RRIFs in that there is a minimum annual withdrawal but unlike RRIFs, LIFs are subject to a maximum withdrawal limit.


A Registered Education Savings Plan is a savings account used by parents to save for their children’s college or post-secondary univeristy education.

The advantage of opening this type of plan is that the investments grow tax-free and the government can contribute to the fund in the form of Canada Learning Bonds and Canada Education Savings Grants (CESG).

Through CESGs, the government will contribute 20% of of the first $2,500 in annual contributions made to an RESP. Contributions are limited to $50,000 in total and the CESG is capped at $7,200.


Very simply, leveraging is borrowing money to invest.

Borrowing to invest results in a couple of things. The first is that it magnifies your gains or losses. The second is that the interest that is charged to you is deductible.

Leveraging takes form as a loan in which the proceeds are then reinvested with the intent to earn a greater rate of return than the cost of interest you pay for borrowing the money.

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