If You Couldn’t Work, Where Would the Money Come From?
If You Couldn't Work, Where Would the Money Come From? Most people don't spend much time thinking about what would happen financially if they became disabled. Over the years, I have had many people contact me looking for Disability Insurance after an illness or [...]
Wage Loss Replacement Plans: How to Protect High-Income Employees Beyond Group LTD
Wage Loss Replacement Plans: How to Protect High-Income Employees Beyond Group LTD One of the most common problems I see when reviewing Group Long-Term Disability plans is that the coverage can work very well for the average employee, but not nearly as well for executives [...]
Can a Health Spending Account Affect Your Eligibility for the Canadian Dental Care Plan?
Can a Health Spending Account Affect Your Eligibility for the Canadian Dental Care Plan? The introduction of the Canadian Dental Care Plan (CDCP) has created an interesting consideration for employers who offer a Health Spending Account to their employees. Many employers assume that because [...]
Top 10 Medical Conditions That Can Disqualify You From Life Insurance in Canada
Top 10 Medical Conditions That Can Disqualify You From Life Insurance in Canada Applying for life insurance usually involves answering questions about your health. Depending on the policy and amount of coverage, the insurance company may also request medical records, bloodwork, urine testing, or [...]
Life Insurance Through Work vs. Personal Life Insurance: Is Employer Coverage Enough?
Life Insurance Through Work vs. Personal Life Insurance: Is Employer Coverage Enough? If you have a comprehensive benefits package through your employer, there is a good chance it includes some form of life insurance. For many Canadians, workplace coverage may even be their first experience [...]
Should You Keep Life Insurance After Your Mortgage Is Paid Off?
Should You Keep Life Insurance After Your Mortgage Is Paid Off? Paying off your mortgage is one of life’s biggest financial milestones. After years of monthly payments, suddenly owning your home without a mortgage can significantly reduce your household expenses and financial risk. It can [...]
We would love to discuss your lifestyle and insurance needs.
No high pressure sales tactics. We simply educate you on making the best decision for you. We proudly serve Ontario, Alberta, and British Columbia.
We have adopted a proven systematic approach to working with clients virtually, which allows us to get to know our clients and help them make an informed decision on what insurance solution is best for them.