About Jeff Romansky

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So far Jeff Romansky has created 83 blog entries.

Permanent Life Insurance for Pharmacist-Owners: When It Makes Sense and When It Doesn’t

Permanent Life Insurance for Pharmacist-Owners: When It Makes Sense and When It Doesn’t If you’re a pharmacist-owner wondering whether permanent life insurance belongs inside your corporation, you’re not alone. Many pharmacists are pitched Whole Life or Universal Life insurance as a “tax-efficient corporate strategy,” often without a clear explanation of what happens if the pharmacy is sold in the future. [...]

Permanent Life Insurance for Pharmacist-Owners: When It Makes Sense and When It Doesn’t2026-02-08T20:57:49-05:00

Any Occupation: Why Group LTD Is Almost Never Enough for Professionals

Any Occupation: Why Group LTD Is Almost Never Enough for Professionals Group LTD vs Individual Disability Insurance: Why “Any Occupation” Matters A recent Global News article highlighted a harsh reality for many Canadians on long-term disability: at the two-year mark, benefits are often reassessed and, in many cases, terminated. Not because someone’s health has [...]

Any Occupation: Why Group LTD Is Almost Never Enough for Professionals2026-02-08T20:46:08-05:00

Why Policy Design Matters More Than the Illustration

Why Policy Design Matters More Than the Illustration When people look at permanent life insurance, especially Whole Life Insurance, the conversation often focuses on illustrated values, premiums, or projected returns. What’s discussed far less often is how the policy is actually designed and why two policies that look similar on paper can produce very different [...]

Why Policy Design Matters More Than the Illustration2026-01-13T13:59:38-05:00

RBC Insurance Enhances Its Term Exchange Privilege: More Flexibility, More Time, More Options

RBC Insurance Enhances Its Term Exchange Privilege: More Flexibility, More Time, More Options RBC Insurance recently announced meaningful enhancements to its Term Exchange Privilege, giving clients more flexibility and more time to adapt their life insurance as their needs evolve. This is a positive change, especially for clients who start with shorter-term coverage and [...]

RBC Insurance Enhances Its Term Exchange Privilege: More Flexibility, More Time, More Options2026-01-24T14:44:35-05:00

When Return of Premium Actually Makes Sense

When Return of Premium Actually Makes Sense  Return of Premium (ROP) features in insurance often get criticized, and sometimes for good reason. They are frequently misunderstood, oversold, or positioned as “free money.” That said, ROP is not inherently bad. In the right situation, and with the right expectations, it can make sense. The key [...]

When Return of Premium Actually Makes Sense2026-01-24T14:42:21-05:00

Return of Premium on Critical Illness Insurance: When It Helps and When It Hurts

Return of Premium on Critical Illness Insurance: When It Helps and When It Hurts I recently came across a situation that perfectly highlights how confusing Critical Illness (CI) insurance can be, especially when Return of Premium (ROP) is involved. Someone was advised to cancel an existing CI policy, take a sizeable ROP payout, and [...]

Return of Premium on Critical Illness Insurance: When It Helps and When It Hurts2026-01-13T12:54:46-05:00

Can You Really “Over-Insure” Your Income?

Can You Really “Over-Insure” Your Income? One of the most common concerns I hear when discussing Disability Insurance is the fear of being “over-insured.” People worry they might be paying for coverage they don’t truly need, especially if their expenses today are relatively low and their income is high. I think that concern is [...]

Can You Really “Over-Insure” Your Income?2025-12-30T22:46:53-05:00

Critical Illness Insurance Contestability Period: Why Transparency Matters

Critical Illness Insurance Contestability Period: Why Transparency Matters When Canadians purchase Critical Illness Insurance, they do so with the expectation that if they suffer a serious medical event (such as cancer, a heart attack, or a stroke), their policy will provide a lump-sum payout to help cover recovery costs, time away from work, and [...]

Critical Illness Insurance Contestability Period: Why Transparency Matters2025-12-30T22:47:09-05:00

Disability Insurance Contestability Period: Why Transparency Matters

Disability Insurance Contestability Period: Why Transparency Matters When purchasing disability insurance, most people expect that if they become injured or ill and are unable to work, their policy will provide income replacement when they need it most. In most cases, that expectation is correct. However, there is a critical provision many policyholders overlook: the [...]

Disability Insurance Contestability Period: Why Transparency Matters2025-12-30T22:46:34-05:00

Whole Life Insurance in Canada: A Smart Long-Term Strategy for Financial Security

Whole Life Insurance in Canada: A Smart Long-Term Strategy for Financial Security When Canadians think about protecting their families and building long-term financial stability, Life Insurance is often one of the first tools considered. While term policies are popular for short-term needs, Whole Life Insurance stands apart as a permanent solution that offers lifelong [...]

Whole Life Insurance in Canada: A Smart Long-Term Strategy for Financial Security2025-12-30T22:47:37-05:00
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