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 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 [...]
Top 20 Eligible Health Spending Account (HSA) Expenses Most Canadians Don’t Know About Most Canadians know that a Health Spending Account (HSA) can reimburse common medical expenses like dental cleanings, eyeglasses, and prescriptions. But far fewer realize just how broad the list really is - and how many specialized, high-value, or alternative expenses are [...]
How to Choose the Best Health Spending Account (HSA) in Canada: A Complete Guide for Business Owners and Professionals For incorporated professionals, entrepreneurs, and small business owners in Canada, a Health Spending Account (HSA) is one of the most tax-efficient ways to cover health and dental expenses. When set up correctly, an HSA allows [...]
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 [...]
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 [...]
Why Corporately Owned Life Insurance Should Name the Corporation as Beneficiary Corporate-owned life insurance is a vital tool for business owners, providing liquidity for debt repayment, funding buy-sell agreements, and supporting estate planning objectives. However, a key decision (who to name as beneficiary) can have significant tax and legal consequences. The general guideline is [...]
Do I Need a Health Spending Account? Maximizing Your Tax Savings and Employee Benefits When it comes to managing healthcare costs, many business owners and professionals wonder if they need a Health Spending Account (HSA). But the real question isn’t whether you need one—it’s whether you want one. Think of it like investing inside [...]
Health Spending Accounts vs. Traditional Benefits: What’s Best for Your Team? Finding the Right Fit for Your Business and Employees When it comes to providing benefits for your team, there’s no one-size-fits-all solution. Employers in Toronto and across Canada are looking for flexible, cost-effective ways to support their employees’ health and well-being. Traditionally, life [...]
Maximizing Group Benefits: The Advantages of Partnering with a Third Party Administrator (TPA) Enhancing Flexibility and Cost Savings for Employers and Employees For many organizations, offering group benefits like life insurance, health coverage, and disability insurance is a valuable way to support employees and attract top talent. However, managing group benefits can be complex [...]
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