How Would a Disability Change Your Life? Why Income Protection for a Disability Should Be a Priority for Every Working Canadian Could you retire tomorrow? If not, you’re likely relying on your regular paycheque to maintain your lifestyle. Mortgage or rent, groceries, utilities, car payments, investments, vacations, kids’ expenses, and daily comforts—your income supports [...]
Life Insurance Isn’t a Loophole. It’s a Smarter Way to Pay the Taxman When you die, who would you prefer your money to go to? The CRA Your family A charity you care about For many Canadian business owners, the tax bill at death is the single largest expense their estate will ever face. [...]
Life Insurance for Nurses: What Type of Life Insurance Is Best? Choosing the Right Life Insurance for Nurses in Ontario Nursing is a demanding career, and as a nurse, you carry the responsibility of caring for others—often under stressful conditions. That commitment makes having the right life insurance especially meaningful. Whether you're just starting [...]
Addressing the Life Insurance Coverage Gap in Canada Understanding and Closing the Life Insurance Gap Among Canadians Despite the growing awareness of life insurance's importance, a significant number of Canadians remain underinsured. Studies indicate that approximately 31% of Canadian adults acknowledge having a life insurance coverage gap, leaving their families vulnerable in the event [...]
Who Should Get a Life Insurance Policy? Understanding When and Why a Life Insurance Policy Makes Sense Most of us don’t wake up thinking about life insurance. It’s one of those topics that tends to sit on the back burner until something—or someone—makes us stop and consider it. But if you’ve ever asked yourself, [...]
The Chronically Under-Insured: Canadian Life Insurance Coverage Gaps Why Millions of Canadians Are Still Missing the Mark on Life Insurance Protection Despite living in one of the most developed and financially secure countries in the world, many Canadians are still falling short when it comes to protecting their families with proper life insurance coverage. [...]
Should You Self-Insure or Get Disability Insurance? Why Relying on Savings Might Not Be the Best Plan Many people ask whether it’s better to self-insure rather than purchase disability insurance. The idea makes sense on the surface—why pay premiums when you could just save money in case you ever become disabled? But when you [...]
Is Shared Critical Illness Insurance a Good Idea? What You Need to Know Before Saying Yes If you own a business in Canada, you've probably been approached about a Split Dollar Critical Illness (CI) Policy at some point. On the surface, it seems like an attractive way to get critical illness insurance while also [...]
What are the Best Disability Insurance Contracts in Canada for Professionals? When selecting a disability insurance policy as a professional, it’s important to understand the key contract provisions that set the best policies apart. One of the most significant features is Non-Cancellable coverage, meaning that while you can cancel at any time without penalty, [...]
Understanding the Definition of Disability Insurance for Professionals Choosing the Right Disability Insurance for Your Career As a professional, you’ve invested years—if not decades—into building your career. Whether you're a physician, dentist, lawyer, or business owner, your ability to work is your greatest financial asset. But what happens if an illness or injury prevents [...]
