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How to Buy the Best Term Life Insurance in Canada

If you are looking for the maximum possible protection at the lowest possible cost, term insurance is the most affordable life insurance available. Here are major points you need to know about. preferred rates: the discounts for good health and being a non-smoker work with an independent broker who will shop the market to make sure… Read more

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

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

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

Save Money on Bank Mortgage Insurance – Top 3 Ways

Mortgage Insurance Explained Enclosed is a brief video showing 3 ways and reasons to save money on your bank mortgage insurance. Do you want to receive the discount available for being a non-smoker?  At banks, smokers and non-smokers pay the same rate.  This is a great deal for smokers, btw. Do you want your family… Read more

Points to Consider When Life Insuring Your Mortgage

      With a Life Insurance Company    With a Bank or Trust Company ·         You purchase an individual policy which is fully underwritten at time of application. ·         You get a certificate relating to a master group policy which is typically underwritten at time of death. ·         You own the policy – you… Read more

How Universal Life Insurance Policies work – a Simplified Guide

Universal Life policies first became popular in the early 1980s, and had been developed a few years earlier.  They are considered unbundled policies, in that the various parts of an insurance policy, which include the term insurance, the cash value and the expenses, are priced separately and stated in the contract. This was a response… Read more

Should I Buy Waiver of Premium on a Life Policy?

Waiver of premium on a life insurance policy is a rider that you can optionally add and which may pay the premiums of a life policy for you during a period of disability.  This can help keep your valuable life insurance in place for your family during a time when you are already vulnerable because of… Read more

Long Term Care Insurance – 3 ways to Protect Your Retirement

Long term care insurance A lot of people believe that if they need long-term care, either in a facility, or perhaps in their home, that much of the cost will be paid for by government programs. While there are some programs available, many Canadians have found out that they will have to bear the majority… 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

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