If you know me, you know I am passionate about insurance. I have seen many clients benefit over the years of having such coverage. I don't believe it needs to be sold, rather we just need to create awareness on how these types of products can protect what matters to our clients. Many have [...]
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 [...]
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 [...]
We have been receiving numerous calls asking how COVID-19 has impacted existing insurance policies and if there is any sort of financial relief available within their plans. To get the message out, we partnered with Barry Choi, a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of [...]
Being an insurance broker has nothing to do with how much you sell, it’s all about how much you care. The reward is knowing that you made a difference in helping people recover from the unexpected. This is why I always help, even at times when there is no compensation in return. A good [...]
What’s the best policy for real estate agents? As a real estate agent, it makes sense to have a policy that protects you from a decrease in income as well as a total disability. Many disabilities do not prevent you from working, but definitely have an impact on your ability to earn the same income. [...]
If you are in your 20's or 30's there is a good chance that you have not yet put much thought into your insurance planning. Maybe you said yes to the insurance on your mortgage or maybe you have benefits through your employer. While this may be a start, it is rarely the best [...]
You love the cottage and hope it will stay in the family for generations to come, but will it? The biggest concern that people face when transferring the cottage to the next generation is the capital gains tax when sold. You can defer the tax payment with a spousal rollover upon your death. However, [...]
