About David

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So far David has created 16 blog entries.

Why do so many people buy creditor insurance to protect their mortgages & loans when there are better options out there?

After 15 years in the business, I have lost count of how many times a client told me that it was "required" to purchase life insurance with their mortgage - which is not the case, it is optional.  Just the other day, my client thought they had to spend $400 a month on creditor [...]

Why do so many people buy creditor insurance to protect their mortgages & loans when there are better options out there?2021-10-14T15:48:54+00:00

How Critical is Critical?

Critical Illness Insurance can give you a tax-free payment if you’re diagnosed with a serious condition. The three main conditions that a Critical Illness Policy covers is: Life Threatening Cancer Heat Attack Stroke While you may not know someone who has claimed on Critical Illness Insurance, I would bet you know someone who was diagnosed with [...]

How Critical is Critical?2021-10-05T18:28:24+00:00

Should My Parents Sell Me Their Cottage for $1???

This summer you and your kids have been fortunate enough to laugh, splash, and create many special memories at the family cottage.  Your parents approach you, as they are aging and feel they no longer want the responsibility of caring for the cottage.  With summer winding down they want to keep the property in [...]

Should My Parents Sell Me Their Cottage for $1???2021-09-22T15:39:34+00:00

Video: Should I Keep My Disability Insurance Contract or Should I Cancel it?

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 [...]

Video: Should I Keep My Disability Insurance Contract or Should I Cancel it?2021-06-18T18:25:08+00:00

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 [...]

Dear Jeff: I have group benefits through work and I am looking to getting an additional coverage. Who and what would you recommend?2021-05-06T19:21:47+00:00

Dear Jeff: When does whole life or universal life insurance make sense?

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 [...]

Dear Jeff: When does whole life or universal life insurance make sense?2021-05-06T19:07:55+00:00

20% Premium Savings for Essential Workers

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 [...]

20% Premium Savings for Essential Workers2020-11-02T15:21:58+00:00

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 [...]

Video: Loss of Income Protection, Paycheque Protection or Disability Insurance? What’s the Difference?2021-06-18T16:05:50+00:00

Dear Jeff…

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 [...]

Dear Jeff…2020-09-22T14:04:53+00:00

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