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Janice Cloth has been working in the insurance industry for the past 28 years. Starting in 1982 in a junior position, she worked her way up as a marketing executive.
She soon realized with her ease with people and the caring person that she was, that helping people was what she loved doing best. Her background as a psychotherapist allowed her to share her good listening skills to be able to determine the needs of her clients.
Janice is a public speaker and author of numerous articles delivering important information about what she calls, “selfish insurance” or living benefit insurance. Critical illness insurance, disability and long term care are all considered living benefit insurance. Her mission is to raise awareness about the devastation that can happen financially without protecting your hard earned income.
Janice understands the emotional, physical and financial burdens many people experience due to illness. This experience, along with her extensive training gives Janice the ability to make the proper recommendations based on her client’s individual needs. She believes that an appropriate plan is both affordable and helps guarantee a way to protect a family’s assets to make sure they are never a burden on their loved ones. Janice is licensed in Ontario. She represents the top insurance companies so she can shop for the best coverage at the best value.
I want to thank you once again for the concern you showed me in dealing with my Insurance claim that was just recently made. Your professionalism and compassion have certainly been appreciated by my wife and myself during this difficult time that I am now facing.
The claim was handled by your office compassionately, without delay and without an abundance of red tap…I will certainly keep your name in my file and pass it on to others who may face the same predicament as myself.”
- Ron Pollock
Ron Pollock Imports Ltd.
“I joined Agnico-Eagle Mines Limited in 2005 and I was pleased to find that we had a very attractive and comprehensive benefit program. As the company grew, it was suggested that the benefit program be enhanced to provide additional coverage to address such areas as critical illness – and Janice was the person who brought these suggestions forward and helped to obtain and implement these benefits. In 2011, I suffered a cardiac arrest – Janice was incredibly helpful in attending to my claim and dealing with the insurance company; she handled practically all of the work so that I could focus on my recovery. I would strongly recommend Janice to anyone who is looking for someone to provide expert guidance with respect to benefits or is looking for someone to assist them when the time comes to claim under such coverage’s.”
- R. Gregory Laing, General Counsel,
Agnico-Eagle Mines Limited
I wanted to thank you again for the your outstanding support with my critical illness insurance process. Your attention to detail and your ability to help a layman navigate the insurance landscape with ease is remarkable.
Shortly after I joined the Agnico Eagle Mines team in 2002, we met for the first time to discuss the various executive insurance programs that were available to me. I remember how you educated me about each risk and the insurance tools that were available to help me and my family mitigate such exposures. Once we had settled on the insurance programs appropriate to my circumstances e.g. critical illness, you seamlessly orchestrated the healthcare professionals and the related paperwork necessary to establish the programs. At the end of this initial stage, I felt that we had established the right insurance coverage for me.
Over the next 11 years, we maintained annual contact to ensure that the programs that we had put in place were still suitable to my situation.
This business-as-usual client coverage changed when I was diagnosed with prostate cancer last November. Naturally, I was unsettled by this news. I had a lot to learn as my wife and I explored treatment options. The one thing that I did not have to worry about was navigating through my critical illness insurance claim. As in the past, you made my life easy. Once I contacted you with my news, you took control of the process. You calmly explained what needed to be done and then proceeded to work with the insurance company and the relevant healthcare professionals to process my claim. Everything came together as you had described and the claim was successfully settled.
I look forward to our continuing relationship. I know that I am in good hands."
- Don Allen
Thank you so much for recommending critical care insurance to me. Although I hoped I would never need to use it, you informed me of the benefits of having such a policy. With out you telling me about it, I would never have bought into it. Little did I know how important it was to have.
Since being diagnosed with breast cancer, you were quick to let me know that I should make a claim. I so appreciated your input and direction as we were not sure what we were entitled to or how to go about finding the information we needed to proceed. You were informative, helpful, sympathetic, and quick to step in. You told us what information we needed to gather and who to talk to about it. You were right there to follow up with info that we needed for the next step. As you received information from the insurance company, you immediately updated us.
Thanks for all of your concern, taking action on our behalf, and for your support at this time in my life. Your efficiency certainly made this process much easier to handle and we were so pleased with the outcome.
Thanks again Joodi Pollock
Articles written by Janice Cloth:
Critical Illness Insurance
"Mom & Dad's Health was Fine... Now they need long-term Care"
Insurance can Subsidize Cost of Home Care
Individual Critical Illness Insurance
Planning for the Unexpected