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

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

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

Why Every Professional Construction Contractor Should Prioritize Life Insurance

Why Every Professional Construction Contractor Should Prioritize Life Insurance The Hidden Risk Behind Every Successful Contractor Construction contractors are some of Canada’s hardest-working professionals; often juggling long hours, dangerous job sites, fluctuating income, and business responsibilities that extend far beyond the workday.But while contractors are experts at planning, building, and managing complex projects, many [...]

Why Every Professional Construction Contractor Should Prioritize Life Insurance2025-11-13T16:10:03-05:00

Why Delaying Life Insurance Can Hurt Your Financial Future

The Cost of Waiting: Why Delaying Life Insurance Can Hurt Your Financial Future Procrastination Comes at a Price For many professionals, buying life insurance tends to sit on the “someday” list. Between busy careers, family obligations, and competing financial goals, it’s easy to delay making the call. But what most people don’t realize is [...]

Why Delaying Life Insurance Can Hurt Your Financial Future2025-11-03T19:21:21-05:00

Funding Whole Life Insurance – And How to Compare the Equivalent Rate of Return

Funding Whole Life Insurance – And How to Compare the Equivalent Rate of Return When clients start exploring permanent life insurance—particularly Whole Life Insurance for estate planning—one question comes up often: “This sounds too good to be true. Is it really?” And honestly, that’s a great question to ask. Because Whole Life insurance isn’t [...]

Funding Whole Life Insurance – And How to Compare the Equivalent Rate of Return2025-07-22T23:04:25-05:00
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