About David

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So far David has created 22 blog entries.

Disaster-Proof Your Life

Preet Banerjee is a well-known Canadian personal finance and investing expert, and the author of the personal finance book Stop Over-Thinking Your Money!: The Five Simple Rules of Financial Success. Banerjee’s 5 Rules for Personal Finance Success are as follows: Disaster-proof your life. Expensive emergencies can derail you, so protect yourself with disability insurance, [...]

Disaster-Proof Your Life2022-03-24T21:48:09+00:00

Can a History of Mental Health Issues Affect Your Life Insurance Application?

Mental illness affects 1 in 5 Canadians in their lifetime1.  Recently, a Canadian Mental Health Association poll indicated that 24 percent of respondents have sought help for mental health challenges (that is 1 in 4 Canadians), this is up compared to polls completed over the past two years 2.  So, it is no surprise [...]

Can a History of Mental Health Issues Affect Your Life Insurance Application?2022-02-24T21:37:07+00:00

Insurance is Not One Size Fits All: Term Insurance vs Whole Life Insurance

Shopping for life insurance is unfortunately not as exciting as shopping for a new wardrobe.  In fact, many find it downright daunting and confusing.  However, this is not a reason to avoid, as it is important to keep your loved ones covered financially in case of death.  Here we try to make the process [...]

Insurance is Not One Size Fits All: Term Insurance vs Whole Life Insurance2021-12-14T15:46:27+00:00

The Biggest Mistakes Parents Make When it Comes to Life Insurance

Many parents rely solely on the life insurance provided through their employee benefits. This is very concerning to me as an advisor. Most Group Life plans offer minimal coverage, sometimes only $25,000.  While this will cover final expenses, it wouldn’t be sufficient to replace one’s income for their family. The reality is that many [...]

The Biggest Mistakes Parents Make When it Comes to Life Insurance2021-11-16T17:02:15+00:00

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

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