5 Life Insurance Nightmares Every Canadian Should Know How to Avoid Life insurance is supposed to provide peace of mind. You pay your premiums, maintain your policy, and trust that your family will be financially protected when you’re gone. But what happens when that protection isn’t there? Imagine paying into a life insurance policy for [...]
What’s the Best Life Insurance If I Become Unemployed? Losing your job can create significant financial uncertainty. Between mortgage payments, household expenses, and everyday living costs, unemployment can quickly change your financial priorities. One question many Canadians overlook during this transition is: What happens to my life insurance if I become unemployed? Whether you’re [...]
What Is Return of Premium? Understanding Critical Illness Insurance in Canada When purchasing critical illness insurance in Canada, one of the most interesting options you may encounter is something called Return of Premium (ROP). Unlike traditional insurance, where you pay premiums in exchange for financial protection, Return of Premium offers the possibility of getting [...]
Is Return of Premium worth it for Critical Illness? First of all, before increasing your Critical Illness coverage, I would make sure your Disability Insurance is adequate. If you only have Group LTD through your employee benefits, there can be significant gaps that many people don't realize until claim time. I would encourage anyone [...]
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 injury has already occurred. Unfortunately, at that point there often [...]
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 and other high-income employees. Most Group LTD plans provide coverage [...]
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 an HSA is flexible and employees choose how to use [...]
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 other information. Naturally, this leads to a common question: "What [...]
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 with life insurance. This raises an important question: "Is the [...]
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 also raise an important question: "Do I still need life [...]
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