insurance resource

Long Term Care Insurance Guide

Long Care Term Insurance is designed to help pay for the care that people may need as they get older, especially after retirement.  Many disability policies now have the feature that after a certain age, the disability benefit can be converted to a long term care benefit, determined by the policy. The cost of long… Read more

Life Insurance Guide

Life Insurance is an economical way to financially protect your family from not having enough time to complete your plans.  It is part of an overall strategy of Financial Planning (video).   Life insurance can replace the income you would have earned to your family in case of an early death. The buying of life insurance… Read more

Disability Insurance Guide

Here is a guide I put together for my clients to help in understanding and purchasing disability insurance.  If you would like an individual quote for disability insurance using your information, please fill out and submit the short form here. Disability Insurance is referred to as a Living Benefit policy because it is something that… Read more

Get Help from an Insurance Broker – It’s Already Paid for

I have covered the basics of 4 types of insurance in a quick but hopefully helpful way.  However as I was writing this I left out many points I could have made to keep things simple, and because many of these points only apply to specific people in specific situations, but can be crucial to… Read more

Critical Illness Insurance Guide

Critical illness insurance is a living benefits policy that pays a benefit to the person who owns the policy, as opposed to their beneficiaries. This is insurance that provides owners with a lump sum of money if they experience a critical illness that is covered under their critical illness policy.  Common covered illnesses are heart… Read more

Investing Insights

I have been reviewing the financial news, speaking to investment manager and economists, and reviewing the performance of the funds I represent to make sure they are delivering the type of performance expected of them. Here is how I see things shaping up, and strategies that need to be used for 2017. Economic Forecast As… Read more

Save Money on Bank Mortgage Insurance – 3 Reasons

Enclosed is a brief video showing 3 ways and reasons to save money on your bank mortgage insurance.  If you are a non-smoker, it is in your interest to compare your bank mortgage insurance to what you could be paying.    

How Insurance Companies are Rated

Life insurance companies are rated by agencies such as A. M. Best, S+P, Moody’s and Fitch. Enclosed is a recent listing of ratings, and a link to the homepage of each major insurance company in Canada. However I would not put too much stock in these ratings for two reasons. 1. These ratings reflect the… Read more

Long Term Care Insurance Explained

  Long Term Care Insurance Guide Long Care Term Insurance is designed to help pay for the care that people may need as they get older, especially after retirement. Many disability policies now have the feature that after a certain age, the disability benefit can be converted to a long term care benefit, determined by… Read more

Save Money on Group Insurance

This is an 8 minute video that immediately gets to the point as to how group insurance operates, and why it is possible to gain substantial savings on a company’s insurance premium.  This video gives many examples of the costs and savings possible, and why the trend has been for group insurance policies to increase… Read more

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