Why do so many people buy creditor insurance to protect their mortgages & loans when there are better options out there?

After 15 years in the business, I have lost count of how many times a client told me that it was "required" to purchase life insurance with their mortgage - which is not the case, it is optional.  Just the other day, my client thought they had to spend $400 a month on creditor [...]

Why do so many people buy creditor insurance to protect their mortgages & loans when there are better options out there?2021-10-14T15:48:54+00:00

How Critical is Critical?

Critical Illness Insurance can give you a tax-free payment if you’re diagnosed with a serious condition. The three main conditions that a Critical Illness Policy covers is: Life Threatening Cancer Heat Attack Stroke While you may not know someone who has claimed on Critical Illness Insurance, I would bet you know someone who was diagnosed with [...]

How Critical is Critical?2021-10-05T18:28:24+00:00

Should My Parents Sell Me Their Cottage for $1???

This summer you and your kids have been fortunate enough to laugh, splash, and create many special memories at the family cottage.  Your parents approach you, as they are aging and feel they no longer want the responsibility of caring for the cottage.  With summer winding down they want to keep the property in [...]

Should My Parents Sell Me Their Cottage for $1???2021-09-22T15:39:34+00:00

Dear Jeff: I have group benefits through work and I am looking to getting an additional coverage. Who and what would you recommend?

My reply: Typically, RBC Insurance, Manulife or Canada Life are the three carriers that offer high quality disability contracts that can supplement your Group Long Term Disability (LTD). All three companies are good companies, however, you need to first find out which company offers you the best occupation class. A broker who understands disability [...]

Dear Jeff: I have group benefits through work and I am looking to getting an additional coverage. Who and what would you recommend?2021-05-06T19:21:47+00:00

Health Spending Accounts – Are You Considered an Employee?

Due to how expensive and limited Individual Health and Dental Plans are, many of my incorporated business owner clients choose to implement a Health Spending Account. This allows them to run their medical expenses through their corporation and deduct those qualifying medical expenses. This is much more tax-effective than paying for medical expenses [...]

Health Spending Accounts – Are You Considered an Employee?2021-03-29T15:05:32+00:00

Dear Jeff: When does whole life or universal life insurance make sense?

This is a post I found on Reddit: I feel like people either think it's a scam/huge waste of money (according to Reddit, my husband, people I know), or the most important financial tool ever (friends who financial planners that I don't work with, financial advisors that I've met with, my estate planning professor [...]

Dear Jeff: When does whole life or universal life insurance make sense?2021-05-06T19:07:55+00:00

Dear Jeff…

My partner and I are in our early thirties, and we have kids.  We’re thinking about getting Term 30 life insurance for $1 million.  A broker from one insurance company provided us with a quote of $190 per month for separate policies, is this a good price? You may need $1 millon right now, but do [...]

Dear Jeff…2020-09-22T14:04:53+00:00

Comparing Apples to Apples: What type of Term Life Insurance policy does my family have?  No, not all policies are equal…

I know that many brokers simply sell the cheapest term life insurance product available in the market.  I do not always agree with that approach and wanted to share with you an alternative solution which you may find valuable, it’s called the Manulife Vitality Program.  I will start by saying this program is geared [...]

Comparing Apples to Apples: What type of Term Life Insurance policy does my family have?  No, not all policies are equal…2020-05-20T14:56:35+00:00

Treat Your Mind Like a Garden

It’s amazing how COVID-19 has impacted the way we think and feel.  I have always believed that you need to treat your mind like a garden.  Imagine moving into a new home, and this home has a beautiful garden in the backyard.  The previous owner took great care of their garden. They [...]

Treat Your Mind Like a Garden2020-04-20T21:01:17+00:00

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