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 [...]
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 [...]
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 [...]
How Much Life Insurance Do I Need? A Canadian Guide for Every Stage of Life One of the first questions people ask when shopping for life insurance is, “How much coverage do I actually need?” The answer isn’t the same for everyone. A 30-year-old with a young family has very different financial responsibilities than a [...]
Life Insurance for High-Income Canadians: 10 Strategies to Protect and Preserve Wealth For many Canadians, life insurance is simply a way to protect a spouse or children if the unexpected happens. However, for high-income earners, incorporated professionals, executives, physicians, dentists, lawyers, and business owners, life insurance serves a much broader purpose. At higher income levels, [...]
Top 50 Frequently Asked Questions About Life Insurance in Canada (2026 Guide) Life insurance is one of the most important financial tools available to Canadians, yet it remains one of the most misunderstood. Whether you’re purchasing your first policy, reviewing existing coverage, or planning your estate, you probably have questions. This guide answers the 50 [...]
The #1 Life Insurance Discussion Canadians Are Having Right Now: Term vs. Whole Life Insurance If there’s one topic dominating life insurance conversations across Canada right now, it’s this: Should you buy term life insurance or whole life insurance? From Reddit discussions to major financial institutions like RBC Insurance, BMO Insurance, and TD Insurance, Canadians [...]
Why Fortune 500 CEOs Use Life Insurance as a Strategic Wealth and Legacy Tool For Canadian Fortune 500 CEOs and senior executives, life insurance is rarely just about replacing income. At the highest levels of corporate leadership, wealth planning becomes significantly more complex — involving executive compensation, concentrated equity exposure, estate taxes, business succession, philanthropy, [...]
The Hidden Gap in Group Disability Insurance That Most High-Income Professionals Miss Most professionals assume they’re well covered through their workplace disability insurance plan. In reality, that’s often not the case. In fact, I often refer to this as “reverse discrimination” in disability insurance. Someone earning $60,000 may be covered for ~85% of their [...]
Disability Insurance for Osteopaths What You Need to Know Before Choosing a Policy Whether you’re practicing as an Osteopath (D.O.M.P.) or have completed additional training such as M.OMSc, your income is still directly tied to your ability to treat patients. Your hands, your mobility, and your physical health aren’t just important, they are your [...]
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