Being an insurance broker has nothing to do with how much you sell, it’s all about how much you care. The reward is knowing that you made a difference in helping people recover from the unexpected. This is why I always help, even at times when there is no compensation in return. A good [...]
Recently, I was working with a physician who told me that she did not feel that she needed to protect her income from disability. “Interesting” I said, and asked her to provide me with her reasoning. Her response was “I don’t believe that I am at risk to become disabled, I am young and healthy [...]
What’s the best policy for real estate agents? As a real estate agent, it makes sense to have a policy that protects you from a decrease in income as well as a total disability. Many disabilities do not prevent you from working, but definitely have an impact on your ability to earn the same income. [...]
If you are in your 20's or 30's there is a good chance that you have not yet put much thought into your insurance planning. Maybe you said yes to the insurance on your mortgage or maybe you have benefits through your employer. While this may be a start, it is rarely the best [...]
A lot of time and effort goes into shopping for your dream home. You also probably spent a considerable amount of time shopping the market for the best mortgage rate available. Once you made your final decision, the lender offered you Mortgage Insurance to protect your most prized asset. On the surface it seems like [...]
Thought I would share with you some common questions that my clients have asked me about income protection. Do I need to protect my income? I think the better question is, could you afford the consequences of not having long term disability insurance? Undoubtedly your income is very important to you. Your way of [...]
You love the cottage and hope it will stay in the family for generations to come, but will it? The biggest concern that people face when transferring the cottage to the next generation is the capital gains tax when sold. You can defer the tax payment with a spousal rollover upon your death. However, [...]
Do you own an incorporated business? Do you personally receive income from your business? Do you and your family have annual Medical Expenses? If you answered YES to all of those questions… we can SAVE you money. What is a Health Spending Account (HSA)? An HSA is a Canada Revenue Agency approved method that [...]
