Have you ever asked yourself the question, should I keep my disability insurance contract or should I cancel it? First, how important is your income? How important is your income to your family? If your answer is: "My income is still important", chances are you should keep your insurance contract. And that [...]
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So far David has created 13 blog entries.
Dear Jeff: I have group benefits through work and I am looking to getting an additional coverage. Who and what would you recommend?
My reply: Typically, RBC Insurance, Manulife or Canada Life are the three carriers that offer high quality disability contracts that can supplement your Group Long Term Disability (LTD). All three companies are good companies, however, you need to first find out which company offers you the best occupation class. A broker who understands disability [...]
This is a post I found on Reddit: I feel like people either think it's a scam/huge waste of money (according to Reddit, my husband, people I know), or the most important financial tool ever (friends who financial planners that I don't work with, financial advisors that I've met with, my estate planning professor [...]
20% Premium Savings for Essential Workers RBC insurance is offering a 20% premium savings on select individual disability policies for essential workers across Canada, effective until December 31, 2020. Contact me for more info. And a HUGE thank you to all essential workers who have put the safety of others before their [...]
Video: Loss of Income Protection, Paycheque Protection or Disability Insurance? What’s the Difference?
When it comes to insurance – it’s easy to get confused. The contracts are lengthy and there are many terms that you may never have heard in the past. This is why it’s important to work with a broker who is an expert, and can help you understand how the coverage works [...]
My partner and I are in our early thirties, and we have kids. We’re thinking about getting Term 30 life insurance for $1 million. A broker from one insurance company provided us with a quote of $190 per month for separate policies, is this a good price? You may need $1 millon right now, but do [...]
If you know me, you know I am passionate about insurance. I have seen many clients benefit over the years of having such coverage. I don't believe it needs to be sold, rather we just need to create awareness on how these types of products can protect what matters to our clients. Many have [...]
Comparing Apples to Apples: What type of Term Life Insurance policy does my family have? No, not all policies are equal…
I know that many brokers simply sell the cheapest term life insurance product available in the market. I do not always agree with that approach and wanted to share with you an alternative solution which you may find valuable, it’s called the Manulife Vitality Program. I will start by saying this program is geared [...]
It’s amazing how COVID-19 has impacted the way we think and feel. I have always believed that you need to treat your mind like a garden. Imagine moving into a new home, and this home has a beautiful garden in the backyard. The previous owner took great care of their garden. They [...]
We have been receiving numerous calls asking how COVID-19 has impacted existing insurance policies and if there is any sort of financial relief available within their plans. To get the message out, we partnered with Barry Choi, a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of [...]