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# SecurePlan Insurance Solutions

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## Posts

- [How Much Life Insurance Do I Need? A Canadian Guide for Every Stage of Life](https://secureplan.ca/how-much-life-insurance-do-i-need-a-canadian-guide-for-every-stage-of-life/) - Wondering how much life insurance you need? Learn how Canadians can determine the right amount of life insurance based on age, income, debt, family responsibilities, and financial goals.
- [RBC A670 vs. A707GIO Insurance: Choosing Between Higher Coverage and More Certainty](https://secureplan.ca/rbc-a670-vs-a707gio-insurance-choosing-between-higher-coverage-and-more-certainty/) - When you already have Group Long-Term Disability coverage, RBC may allow us to structure your individual disability insurance in one of two ways.
- [What Is a Capital Dividend Account (CDA)? A Guide for Canadian Business Owners](https://secureplan.ca/what-is-a-capital-dividend-account-cda-a-guide-for-canadian-business-owners/) - Learn what a Capital Dividend Account (CDA) is, how it works, and why it is one of the most valuable tax-planning tools available to Canadian private corporations.
- [Life Insurance for High-Income Canadians: 10 Strategies to Protect and Preserve Wealth](https://secureplan.ca/life-insurance-for-high-income-canadians-10-strategies-to-protect-and-preserve-wealth/) - Discover 10 ways high-income Canadians can use life insurance to protect their wealth, reduce taxes, preserve their estate, and build a lasting financial legacy.
- [What Is Term Life Insurance? Everything Canadians Need to Know](https://secureplan.ca/what-is-term-life-insurance-everything-canadians-need-to-know/) - While term life insurance is straightforward, it is important to understand exactly what it includes, what it does not cover, and what happens when the term ends.
- [Top 50 Frequently Asked Questions About Life Insurance in Canada (2026 Guide)](https://secureplan.ca/top-50-frequently-asked-questions-about-life-insurance-in-canada-2026-guide/) - This guide answers the 50 most frequently asked questions Canadians have about life insurance, based on common conversations with insurance advisors, financial planners, and prospective policyholders.
- [Top 25 Frequently Asked Questions About Whole Life Insurance in Canada](https://secureplan.ca/top-25-frequently-asked-questions-about-whole-life-insurance-in-canada/) - Here are the answers to the 25 most frequently asked questions Canadians have about Whole Life Insurance, cash value, dividends, estate planning, taxation, and more.
- [Fixed Income Investment vs. Whole Life Insurance: Complementary Choices](https://secureplan.ca/fixed-income-investment-vs-whole-life-insurance-complementary-choices/) - Whole life insurance is more than just protection for your loved ones. It’s a tool for cash value growth and tax-efficient income in retirement.
- [Life Insurance for Medical Professionals in Canada: Frequently Asked Questions](https://secureplan.ca/life-insurance-for-medical-professionals-in-canada-frequently-asked-questions/) - Discover the most frequently asked questions about life insurance that Canadian doctors, dentists, pharmacists, and healthcare professionals ask — and learn how the right coverage can protect your income, family, and future.
- [The #1 Life Insurance Discussion Canadians Are Having Right Now: Term vs. Whole Life Insurance](https://secureplan.ca/the-1-life-insurance-discussion-canadians-are-having-right-now-term-vs-whole-life-insurance/) - Canadians are debating whole life insurance vs. term life insurance more than ever. Here’s what Reddit users, financial institutions, and insurance experts are saying in 2026.
- [Why Fortune 500 CEOs Use Life Insurance as a Strategic Wealth and Legacy Tool](https://secureplan.ca/why-fortune-500-ceos-use-life-insurance-as-a-strategic-wealth-and-legacy-tool/) - Discover how Fortune 500 executives and CEOs use life insurance to protect wealth, optimize taxes, preserve estates, and strengthen long-term legacy planning.
- [Top 20 Frequently Asked Questions About Life Insurance in Canada](https://secureplan.ca/top-20-frequently-asked-questions-about-life-insurance-in-canada/) - These are the top 20 frequently asked questions about life insurance in Canada, including coverage types, pricing, underwriting, tax rules, and how to choose the right policy.
- [Health Buys Insurance... right?](https://secureplan.ca/health-buys-insurance-right/) - In this article, we unpack the REAL ins and outs of insuring REAL people, for REAL life eventualities. Its not all "roses and rainbows". Let me explain...
- [The Hidden Gap in Group Disability Insurance That Most High-Income Professionals Miss](https://secureplan.ca/the-hidden-gap-in-group-disability-insurance-most-high-income-pros-miss/) - Most professionals assume they’re well covered through their workplace disability plan. In reality, that’s often not the case. Let's discuss Disability Insurance.
- [Live Healthy. Earn Rewards.](https://secureplan.ca/get-insurance-and-rewards-get-manulife-vitality/) - Insurance should be about more than just protecting your loved ones; it’s about living your life the way you like it. So why not get more out of your insurance while you’re around to enjoy it? Manulife Vitality is insurance that motivates you to make healthy choices, earn super-cool rewards AND save on how much
- [Disability Insurance for Osteopaths](https://secureplan.ca/disability-insurance-for-osteopaths/) - 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 business.
- [Most Canadians Don’t Realize This Type of Financial Advisor Exists](https://secureplan.ca/most-canadians-dont-realize-this-type-of-financial-advisor-exists/) - Most Canadians Don’t Realize This Type of Financial Advisor Exists When most people think about financial advice, they picture: Their bank An investment advisor Or someone recommending products What many don’t realize is that there’s another option entirely: fee-only financial planning. What Is a Fee-Only Financial Planner? A fee-only financial planner is paid directly by
- [Are You Paying the Correct Tax on Your Health Spending Account?](https://secureplan.ca/are-you-paying-the-correct-tax-on-your-health-spending-account/) - Are You Paying the Correct Tax on Your Health Spending Account? One of the most common mistakes we see with Health Spending Accounts (HSAs) in Ontario is incorrect tax treatment. At a glance, everything looks fine. The plan is set up, claims are being reimbursed, and the business is deducting the expense. But behind the
- [Direct vs. Insurance Broker: How to Buy Life Insurance the Right Way](https://secureplan.ca/direct-vs-insurance-broker-how-to-buy-life-insurance-the-right-way/) - Do you buy life insurance direct through an insurance company, or work with an insurance broker? Let's discuss your options for purchasing life insurance.
- [Using Corporate-Owned Whole Life Insurance for Tax Efficiency](https://secureplan.ca/using-corporate-owned-whole-life-insurance-for-tax-efficiency/) - Learn how corporate-owned whole life insurance helps Canadian business owners reduce taxes, grow wealth and transfer assets efficiently using proven strategies.
- [How Whole Life Insurance Fits Into Estate Planning for Canadians](https://secureplan.ca/how-whole-life-insurance-fits-into-estate-planning-for-canadians/) - Learn how whole life insurance plays a key role in estate planning for Canadians; helping reduce taxes, protect assets, and create a legacy for your family.
- [Engineers Canada Term Life vs. Individual Term Insurance](https://secureplan.ca/engineers-canada-term-life-vs-individual-term-insurance/) - If you’re comparing Engineers Canada term life insurance to an individual term policy, it’s worth looking beyond the promo rate and evaluating the long-term.
- [Simplified Life Insurance vs. Fully Underwritten: What’s the Real Difference?](https://secureplan.ca/simplified-life-insurance-vs-fully-underwritten-whats-the-real-difference/) - Simplified Life Insurance may be the insurance you need if you are young, in excellent health, have no history of specialist visits and no prescriptions.
- [Permanent Life Insurance for Pharmacist-Owners: When It Makes Sense and When It Doesn’t](https://secureplan.ca/permanent-life-insurance-for-pharmacist-owners-when-it-makes-sense-and-when-it-doesnt/) - If you’re a pharmacist-owner wondering whether permanent life insurance belongs inside your corporation, you’re not alone. Let's discuss.
- [Any Occupation: Why Group LTD Is Almost Never Enough for Professionals](https://secureplan.ca/any-occupation-why-group-ltd-is-almost-never-enough-for-professionals/) - Group LTD is paid for by the employer, so benefits are taxable. Many professionals are shocked to learn that what looks like “60% coverage” on paper translates into far less than 50% of their take-home pay after tax.
- [Health Spending Accounts – Are You Considered an Employee?](https://secureplan.ca/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 with after-tax
- [Should A Company Self-Administer Their Own Health Spending Account?](https://secureplan.ca/health-spending-december-09-2019/) - Just in case you are wondering, A Health Spending Account (HSA) is a Canada Revenue Agency approved method that allows personal qualifying medical expenses (e.g. health, dental, vision, massage, chiro) to be paid for in a tax-efficient manner. Your corporation can write off 100% of ALL qualifying medical expenses. Qualifying medical expenses incurred by an
- [What Is A Health Spending Account (HSA)?](https://secureplan.ca/what-is-a-health-spending-account-hsa/) - What Is A Health Spending Account (HSA)? A Health Spending Account (HSA) is a Canada Revenue Agency-approved method that allows personal qualifying medical expenses to be paid for in a tax-efficient manner. These expenses can include health, dental, vision, massage, and chiropractic services. With an HSA, your corporation can write off 100% of all qualifying
- [Top 20 Eligible Health Spending Account (HSA) Expenses Most Canadians Don’t Know About](https://secureplan.ca/top-20-eligible-health-spending-account-hsa-expenses-most-canadians-dont-know-about/) - Discover 20 surprising medical expenses you can claim through a Health Spending Account in Canada. Reduce taxes, save money, and maximize your benefits legally and efficiently.
- [Comparison: Health Spending Account vs Traditional Group Benefits](https://secureplan.ca/comparison-health-spending-account-vs-traditional-group-benefits/) - A Health Spending Account (HSA) plan allows employees to use only what they need, while traditional group benefits lock you into blanket coverage.
- [Can I Set Up a Health Spending Account (HSA) in My HoldCo?](https://secureplan.ca/can-i-set-up-a-health-spending-account-hsa-in-my-holdco/) - While a Health Spending Account (HSA) may seem like an effective tax and benefits strategy, it’s essential to understand CRA guidelines to ensure compliance.
- [How to Choose the Best Health Spending Account (HSA) in Canada: A Complete Guide for Business Owners and Professionals](https://secureplan.ca/how-to-choose-the-best-health-spending-account-hsa-in-canada-a-complete-guide-for-business-owners-and-professionals/) - Here's a detailed guide on how to select the best Health Spending Account in Canada and how to structure it properly so it meets CRA rules.
- [Why Policy Design Matters More Than the Illustration](https://secureplan.ca/why-policy-design-matters-more-than-the-illustration/) - Whole Life insurance is not a single product. It’s a framework. Within that framework, there are many ways to structure a policy depending on the goal.
- [RBC Enhances Its Term Exchange Privilege: More Flexibility, More Time, More Options](https://secureplan.ca/royal-bank-of-canada-rbc-enhances-its-term-exchange-privilege/) - The Royal Bank of Canada recently announced enhancements to its Life Insurance Term Exchange Privilege, giving clients more flexibility and more time to adapt their life insurance as their needs evolve.
- [When Return of Premium Actually Makes Sense](https://secureplan.ca/when-return-of-premium-actually-makes-sense/) - The key is understanding what problem Return of Premium (ROP) is actually solving, and whether that problem exists in your life insurance plan. Let's discuss.
- [Return of Premium on Critical Illness Insurance: When It Helps and When It Hurts](https://secureplan.ca/return-of-premium-on-critical-illness-insurance-when-it-helps-and-when-it-hurts/) - Return of Premium on Critical Illness life insurance should never be evaluated emotionally. It should be evaluated mathematically. Let's discuss.
- [Can You Really “Over-Insure” Your Income?](https://secureplan.ca/can-you-really-over-insure-your-income/) - How much is too much insurance? Can you over-insure your income and lifestyle? Let's discuss.
- [Disability Insurance Contestability Period: Why Transparency Matters](https://secureplan.ca/disability-insurance-contestability-period-why-transparency-matters/) - Understanding how the Disability Insurance contestability period works can help prevent claim denials and ensure your coverage performs exactly as intended.
- [Whole Life Insurance in Canada: A Smart Long-Term Strategy for Financial Security](https://secureplan.ca/whole-life-insurance-in-canada-a-smart-long-term-strategy-for-financial-security/) - One of the biggest advantages of Whole Life Insurance is certainty. Coverage does not expire, premiums do not increase, and beneficiaries receive a guaranteed payout.
- [Is Life Insurance Necessary for My Child?](https://secureplan.ca/is-life-insurance-necessary-for-my-child/) - Children's life insurance offers more than peace of mind—it’s an opportunity to secure their financial future and create a legacy of security.
- [The Advantages of Working with a Knowledgeable Insurance Broker](https://secureplan.ca/advantages-working-with-insurance-broker-april-2024/) - The Advantages of Working with a Knowledgeable Insurance Broker In today’s fast-paced world, managing insurance policies can be a complex and daunting task. As an experienced insurance broker, I understand the nuances and challenges that professionals face in handling their insurance needs. In this blog, I will outline the significant benefits of working with a
- [The Randomness of Critical Illnesses](https://secureplan.ca/the-randomness-of-critical-illnesses/) - The Randomness of Critical Illnesses There has been some sad news recently in entertainment world with regards to Critical Illnesses. Unfortunately, we saw Luke Perry (Riverdale, 90210 actor) suffer and pass away from a Stroke. Selma Blair made headlines as she opened up about her Multiple Sclerosis diagnosis. And lastly, Alex Trebec posted a video
- [From Diapers to Policies: Critical Illness Insurance Planning for New Parents](https://secureplan.ca/from-diapers-to-policies-critical-illness-insurance-planning-for-new-parents/) - From Diapers to Policies: Critical Illness Insurance Planning for New Parents I recently encountered this question “I’m a new parent, and I’m considering buying Critical Illness insurance to make sure my family wouldn’t be financially impacted if I got sick. What should I consider when looking at these policies?” This is a common concern among new
- [Why Now is the Time to Consider Critical Illness Coverage for Your Child](https://secureplan.ca/why-now-is-the-time-to-consider-critical-illness-coverage-for-your-child/) - Critical illness insurance for children can ease the financial burden of treatment costs, allowing you to focus on your child’s recovery and not expenses.
- [Understanding Critical Illness and Disability Insurance: An Informed Choice](https://secureplan.ca/critical-illness-vs-disability-insurance-101/) - Understanding Critical Illness and Disability Insurance: An Informed Choice Insurance is about more than just premiums and payouts. It’s about peace of mind and protection for your future. As an insurance broker, I believe that our role is to educate and support our clients, not to aggressively sell a particular product. This is why I
- [Critical Illness Insurance vs. Disability Insurance: Do You Need Both?](https://secureplan.ca/critical-illness-insurance-vs-disability-insurance-do-you-need-both/) - Combining both critical and disability insurance policies can provide a more comprehensive safety net, giving you peace of mind when facing life’s uncertainties.
- [Is Shared Critical Illness Insurance a Good Idea?](https://secureplan.ca/is-shared-critical-illness-insurance-a-good-idea/) - Unlike life insurance, a Critical Illness Insurance payout does not credit the Capital Dividend Account. This can come with a hefty tax bill.
- [Critical Illness Insurance Contestability Period: Why Transparency Matters](https://secureplan.ca/critical-illness-insurance-contestability-period-why-transparency-matters/) - Understanding how the Critical Illness Insurance contestability period works, can help prevent claim delays or denials at the very moment financial support is most needed.
- [How Critical is Critical?](https://secureplan.ca/how-critical-is-critical/) - How Critical is Critical? Source: Critical Illness Insurance – worth it? : PersonalFinanceCanada (reddit.com)
- [Mortgage Insurance vs Term Life Insurance: What Homeowners Need to Know](https://secureplan.ca/mortgage-insurance-vs-term-life-insurance-what-homeowners-need-to-know/) - Mortgage Insurance vs Term Life Insurance: What Homeowners Need to Know When buying a home or taking out a loan, many Canadians are offered creditor insurance, often referred to as mortgage insurance or loan insurance. Because it’s presented during the financing process, some people assume it’s required or that it’s the simplest way to protect
- [Can a History of Mental Health Issues Affect Your Life Insurance Application?](https://secureplan.ca/applying-for-life-insurance-with-history-of-mental-health/) - Can a History of Mental Health Issues Affect Your Life Insurance Application? Mental illness affects 1 in 5 Canadians in their lifetime1. Recently, a Canadian Mental Health Association poll indicated that 24 percent of respondents have sought help for mental health challenges (that is 1 in 4 Canadians), this is up compared to polls completed
- [Life Insurance – Adulting at its Best](https://secureplan.ca/life-insurance-adulting-at-its-best/) - Life Insurance – Adulting at its Best Don’t know where to get started? Here is some advice to help you. Are you recently married, purchased a home, or maybe had a child? These significant life changes are a great time to start thinking about protecting yourself, and your loved ones, from financial burden in difficult
- [Protecting your Insurability. Why Young Canadians Should Start Thinking About Life and Disability Insurance Now](https://secureplan.ca/protecting-your-insurability/) - Protecting your Insurability. Why Young Canadians Should Start Thinking About Life and Disability Insurance Now Many young Canadians often overlook the importance of life and disability insurance, believing they are invincible and not at risk of becoming injured or ill. However, there are several compelling reasons to start thinking about these types of insurance when
- [Term 10 Exchange: An Affordable Insurance Strategy for Young Professionals](https://secureplan.ca/term-10-for-youngpreofessionals-1-2024/) - Term 10 Exchange: An Affordable Insurance Strategy for Young Professionals As a young professional, managing a budget can be challenging, especially with exciting life changes like buying a home, getting married, or starting a family. In these moments, life insurance is important, but it must also be affordable. The Term 10 Exchange option provides a
- [How To Find a Good Insurance Broker](https://secureplan.ca/how-to-find-a-good-insurance-broker/) - How To Find a Good Insurance Broker Finding the right insurance broker can make a significant difference in your experience and outcome when it comes to selecting insurance products that suit your needs. But with so many options out there, how do you ensure you’re choosing a reputable insurance broker who will prioritize your interests?
- [Keep in Mind, Health Buys Insurance – Not Money](https://secureplan.ca/keep-in-mind-health-buys-insurance-not-money/) - Keep in Mind, Health Buys Insurance – Not Money When considering the timing and importance of purchasing insurance, there’s an important adage to remember: “health buys insurance – not money.” This statement underscores a fundamental truth about obtaining insurance coverage, particularly health insurance. Often, when someone recognizes the necessity for coverage due to a sudden
- [Benefits of Working with a Life Insurance Broker](https://secureplan.ca/benefits-of-working-with-a-life-insurance-broker/) - Working with a life insurance broker provides personalized service, expert advice, and access to a range of policies. Life Insurance Brokers are your advocates.
- [What is the Best Life Insurance for a Young Family?](https://secureplan.ca/what-is-the-best-life-insurance-for-a-young-family/) - Choosing the right life insurance for a young family is a significant decision. Let's discuss the benefits of term life insurance and permanent life insurance.
- [How Often Should I Review My Life Insurance Policy?](https://secureplan.ca/how-often-should-i-review-my-life-insurance-policy/) - Whether you’ve welcomed a child, bought a home, or advanced in your career, it’s worth revisiting your policy to ensure it’s still the best fit for your needs.
- [Why Was My Insurance Application Postponed or Rated?](https://secureplan.ca/why-was-my-insurance-application-postponed-or-rated/) - Actuaries know that certain things decrease life expectancy and increase claim probability. The same logic applies to weight, medical conditions, etc.
- [Understanding the Life Insurance Contestability Period: Why Transparency Matters](https://secureplan.ca/understanding-the-life-insurance-contestability-period-why-transparency-matters/) - Once the two-year life insurance contestability period ends, most life insurance policies become incontestable.
- [Who Offers the Best Life Insurance?](https://secureplan.ca/who-offers-the-best-life-insurance/) - There are many good companies offering Term Life Insurance. Here are a few key things I’d look for when looking for the best life insurance coverage.
- [Who Should Get a Life Insurance Policy?](https://secureplan.ca/who-should-get-a-life-insurance-policy/) - Whether you’re starting out or raising a family, there’s almost always a good reason to get life insurance. Let's explore.
- [Addressing the Life Insurance Coverage Gap in Canada](https://secureplan.ca/addressing-the-life-insurance-coverage-gap-in-canada/) - By understanding the cost and benefits of life insurance, Canadians can make better informed decisions to protect their loved ones.
- [The Impact of Technology on Life Insurance in Canada](https://secureplan.ca/the-impact-of-technology-on-life-insurance-in-canada/) - Embracing technology in life insurance means more than just convenience; it's creating a seamless and personalized experience that meets the needs of Canadians.
- [How Life Insurance in Canada Has Changed Over the Last 50 Years](https://secureplan.ca/how-life-insurance-in-canada-has-changed-over-the-last-50-years/) - The Life Insurance in Canada industry has evolved to meet the changing expectations of how people want to buy, understand, and manage their protection.
- [How Does a Life Insurance Payout Work?](https://secureplan.ca/how-does-a-life-insurance-payout-work/) - When a life insurance payout is made, beneficiaries can choose a lump-sum or structured payout. This can provide support and security in difficult times.
- [10 Benefits of Life Insurance](https://secureplan.ca/10-benefits-of-life-insurance/) - Here are 10 of the most practical and often-overlooked benefits of life insurance that can help create a financial safety net that serves you and your family.
- [Why You Need Life Insurance Coverage Over $1 Million](https://secureplan.ca/why-you-need-life-insurance-coverage-over-1-million/) - Life Insurance Coverage over $1 million dollars is not about extravagance. A minimum insurance policy might cover today, but will it cover tomorrow?
- [The Emotional and Financial Safety Net of Life Insurance](https://secureplan.ca/the-emotional-and-financial-safety-net-of-life-insurance/) - Discover how life insurance provides both emotional and financial security for Canadian families, ensuring stability, peace of mind, and a lasting legacy.
- [Insurance is Not One Size Fits All: Term Insurance vs Whole Life Insurance](https://secureplan.ca/term-vs-perm/) - Insurance is Not One Size Fits All: Term Insurance vs Whole Life Insurance Shopping for life insurance is unfortunately not as exciting as shopping for a new wardrobe. In fact, many find it downright daunting and confusing. However, this is not a reason to avoid, as it is important to keep your loved ones covered
- [Why Most Life Insurance Calculators Get It Wrong](https://secureplan.ca/why-most-life-insurance-calculators-get-it-wrong/) - Most life insurance calculators aren't useful. Let's dispel the miscalculations and explore the numbers to get a realistic overview of life insurance costs.
- [Exploring Life Insurance Term Exchange Options](https://secureplan.ca/exploring-life-insurance-term-exchange-options/) - Life Insurance Term exchange options allow for adaptation of coverage without undergoing new medical underwriting. This means flexibility for policy holders.
- [Why Delaying Life Insurance Can Hurt Your Financial Future](https://secureplan.ca/why-delaying-life-insurance-can-hurt-your-financial-future/) - Securing life insurance coverage early protects your wealth, health, and family’s financial future.
- [Whole Life Insurance vs. Term Life: Choosing the Right Coverage for Your Career Stage](https://secureplan.ca/whole-life-insurance-vs-term-life-choosing-the-right-coverage-for-your-career-stage/) - Learn how to choose between whole life insurance and term life insurance in Canada. Understand which best fits your career, goals, and financial priorities.
- [Life Insurance for Children: A Practical Guide for Parents](https://secureplan.ca/life-insurance-for-children-a-practical-guide-for-parents/) - Life insurance for children can provide lifelong benefits, whether through a term rider, standalone policy, or cash value insurance.
- [5 Questions You Should Know About Disability Insurance](https://secureplan.ca/5-questions-you-should-know-about-disability-insurance/) - Thought I would share with you some common questions that my clients have asked me about income protection. Do I need to protect my income? I think the better question is, could you afford the consequences of not having long term disability insurance? Undoubtedly your income is very important to you. Your way of
- [How Would a Disability Change Your Life?](https://secureplan.ca/how-would-a-disability-change-your-life/) - Understanding how Disability Insurance works—and ensuring your policy reflects your true needs—is one of the smartest steps you can take in your financial plan.
- [Don’t Let A Temporary Disability Ruin Your Life](https://secureplan.ca/dont-let-a-temporary-disability-ruin-your-life/) - Most of us believe that only an unlucky few fall prey to disabilities that force them to take significant time away from their job. But the reality is very different. Did you know that approximately one in three working-age Canadians will become disabled and unable to work before they turn 65? If you suddenly become
- [Unlocking the Potential of the Future Increase Option: A Hidden Gem in Disability Insurance](https://secureplan.ca/hidden-gem-in-disability/) - As we navigate through life’s unexpected turns, securing our financial future becomes increasingly critical. Disability insurance offers a safety net, providing income protection if we are unable to work due to illness or injury. Yet, many overlook a particular feature within these policies that can offer even greater peace of mind: the Future Increase Option
- [How much should I expect to pay for my Disability Insurance?](https://secureplan.ca/how-much-should-i-expect-to-pay-for-my-disability-insurance/) - How Much Should I Expect to Pay for My Disability Insurance? Why is an Individual Policy More Expensive than My Group LTD? Disability insurance is an essential component of financial planning, providing income protection in case you are unable to work due to illness or injury. Many people wonder, “How much should I expect to
- [Navigating Group Long-Term Disability Insurance: Understanding Its Limits and the Value of Individual Coverage](https://secureplan.ca/group-long-term-disability-understanding-its-limits/) - Group Long-Term Disability (LTD) insurance is a common benefit offered by many employers. While it provides a basic level of protection, it’s crucial to understand its limitations. In this blog, I’ll draw on an analogy to skydiving to explain why you might consider supplementing your Group LTD with an individual policy. The Skydiving Analogy: Imagine
- [Group Long Term Disability (LTD) Insurance vs Individual Insurance: Making the Right Choice for Your Needs](https://secureplan.ca/group-long-term-disability-ltd-insurance-vs-individual-insurance-making-the-right-choice-for-your-needs/) - Choosing between Group Long Term Disability (LTD) insurance and Individual Insurance is extremely important for ensuring adequate income protection.
- [10 Factors to Consider when Buying Disability Insurance](https://secureplan.ca/10-factors-to-consider-when-buying-disability-insurance/) - When buying disability insurance, it's important to understand the details of the policy to ensure you have adequate protection.
- [Understanding the Definition of Disability Insurance for Professionals](https://secureplan.ca/understanding-the-definition-of-disability-insurance-for-professionals/) - Residual and Partial Disability Insurance Benefits are so important for professionals to avoid reducing your earning potential.
- [What are the Best Disability Insurance Contracts in Canada for Professionals?](https://secureplan.ca/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.
- [Should You Self-Insure or Get Disability Insurance?](https://secureplan.ca/should-you-self-insure-or-get-disability-insurance/) - Disability insurance provides a steady, tax-free income when you need it most—without forcing you to take on debt or cash out investments.
- [Whole Life Insurance Policy and Premiums: What You Should Know Before You Commit](https://secureplan.ca/whole-life-insurance-policy-and-premiums-what-you-should-know-before-you-commit/) - Whole life insurance remains in place for your lifetime and builds value as you go. It's a blend between lifelong protection and a long-term savings strategy.
- [The Chronically Under-Insured: Canadian Life Insurance Coverage Gaps](https://secureplan.ca/the-chronically-under-insured-canadian-life-insurance-coverage-gaps/) - Over 8 million Canadians are walking around knowing they need more life insurance—but aren’t sure how to close the gap. Let's discuss.
- [The Top 10 Reasons Every Canadian Should Have Life Insurance](https://secureplan.ca/the-top-10-reasons-every-canadian-should-have-life-insurance/) - Life insurance isn’t just about planning for death—it’s about protecting what you’re building in life and can be one of the best tools in your financial plan.
- [Why You Should Have Life Insurance When You Retire](https://secureplan.ca/why-you-should-have-life-insurance-when-you-retire/) - A retirement life insurance policy can give your family space to grieve without financial pressure, and the ability to preserve what matters most. Retire well.
- [The Rise of Whole Life Insurance in Canada](https://secureplan.ca/the-rise-of-whole-life-insurance-in-canada/) - With its guaranteed cash value and lifelong coverage, it's no wonder more Canadians are choosing whole life insurance policies to secure their financial future.
- [Life Insurance for Nurses: What Type of Life Insurance Is Best?](https://secureplan.ca/life-insurance-for-nurses-what-type-of-life-insurance-is-best/) - Finding the right Life Insurance for Nurses is more than just checking off boxes—it’s about matching protection to your life stage.
- [Why Corporately Owned Life Insurance Should Name the Corporation as Beneficiary](https://secureplan.ca/why-corporately-owned-life-insurance-should-name-the-corporation-as-beneficiary/) - The Corporation as Beneficiary guideline is simple: if a corporation owns the policy, it should also be the beneficiary, without adding unnecessary complexity.
- [Life Insurance Isn’t a Loophole. It’s a Smarter Way to Pay Tax](https://secureplan.ca/life-insurance-isnt-a-loophole-its-a-smarter-way-to-pay-tax/) - Whole life insurance isn’t a tax loophole. It’s a strategic, tax-efficient way to ensure that bill is covered—without dismantling what you’ve built.
- [Funding Whole Life Insurance – And How to Compare the Equivalent Rate of Return](https://secureplan.ca/funding-whole-life-insurance-and-how-to-compare-the-equivalent-rate-of-return/) - Whole Life insurance isn’t a typical investment. It’s a financial tool that can work exceptionally well when structured properly - and poorly when it’s not.
- [What is the Best Life Insurance for Retirees?](https://secureplan.ca/what-is-the-best-life-insurance-for-retirees/) - Whole Life Insurance
- [Universal Life vs. Whole Life Insurance in Canada](https://secureplan.ca/universal-life-vs-whole-life-insurance-in-canada/) - Whole life insurance provides stability and guarantees, while universal life insurance offers flexibility and investment potential. We discuss the differences.
- [The Smart Investor’s Shield: Why Every White-Collar Canadian Needs Life Insurance](https://secureplan.ca/the-smart-investors-shield-why-every-white-collar-canadian-needs-life-insurance/) - Life insurance is an essential part of every white-collar Canadian’s financial strategy; protecting income, securing family futures, and long-term stability.
- [How Whole Life Insurance Builds Tax-Free Wealth](https://secureplan.ca/how-whole-life-insurance-builds-tax-free-wealth/) - Discover how whole life insurance in Canada can help white-collar professionals grow tax-free wealth while providing lifetime protection and financial security.
- [Corporate-Owned Life Insurance: A Strategic Tool for Business Owners and Executives](https://secureplan.ca/corporate-owned-life-insurance-a-strategic-tool-for-business-owners-and-executives/) - Learn how Corporate-Owned Life Insurance helps Canadian business owners and executives protect their companies, reduce taxes, and transfer wealth efficiently.
- [Life Insurance as a Key Piece of Your Retirement Strategy](https://secureplan.ca/life-insurance-as-a-key-piece-of-your-retirement-strategy/) - Life insurance helps Canadian professionals strengthen their retirement strategy, offering tax advantages, guaranteed growth, and long-term financial flexibility.
- [How White-Collar Canadians Use Life Insurance for Generational Wealth](https://secureplan.ca/how-white-collar-canadians-use-life-insurance-for-generational-wealth/) - Discover how white-collar Canadians are using life insurance to create lasting generational wealth, reduce taxes, and build a legacy that endures.
- [Why Every Professional Construction Contractor Should Prioritize Life Insurance](https://secureplan.ca/why-every-professional-construction-contractor-should-prioritize-life-insurance/) - Construction contractors face higher workplace risks and inconsistent income cycles. Learn why life insurance is essential for protecting your financial future.
- [Dear Jeff...](https://secureplan.ca/dear-jeff-february-28-2020-2/) - “How much do your services cost?” In short, the answer is zero. When asked this question recently, I realized that not everyone knows that I don’t charge for my time. A client doesn’t pay for our services, rather we are paid directly from the insurance company. There is no cost difference to go direct or
- [How COVID-19 Affects Insurance Policies](https://secureplan.ca/covid-19/) - 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
- [Treat Your Mind Like a Garden](https://secureplan.ca/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 always prepared the
- [Comparing Apples to Apples: What type of Term Life Insurance policy does my family have?  No, not all policies are equal…](https://secureplan.ca/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 towards
- [Many say that insurance is sold, not purchased.](https://secureplan.ca/2877-2/) - 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 never
- [Dear Jeff...](https://secureplan.ca/dear-jeff-term-life/) - 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 you
- [Video: Loss of Income Protection, Paycheque Protection or Disability Insurance? What’s the Difference?](https://secureplan.ca/loss-of-income-protection-paycheque-protection-or-disability-insurance-whats-the-difference/) - When it comes to insurance – it’s easy to get confused. The contracts are lengthy and there are many terms that you may never have heard in the past. This is why it’s important to work with a broker who is an expert, and can help you understand how the coverage works and help you
- [20% Premium Savings for Essential Workers](https://secureplan.ca/rbc-essential-workers/) - 20% Premium Savings for Essential Workers RBC insurance is offering a 20% premium savings on select individual disability policies for essential workers across Canada, effective until December 31, 2020. Contact me for more info. And a HUGE thank you to all essential workers who have put the safety of others before their own! Stay safe
- [Dear Jeff: When does whole life or universal life insurance make sense?](https://secureplan.ca/ask-jeff-whole-life-or-universal-life/) - 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 whose parting advice to everyone in our class was
- [Dear Jeff: I have group benefits through work and I am looking to getting an additional coverage. Who and what would you recommend?](https://secureplan.ca/ask-jeff-insurance-coverage-work-benefits-disability-insurance/)
- [Video: Should I Keep My Disability Insurance Contract or Should I Cancel it?](https://secureplan.ca/keep-or-cancel/) - Have you ever asked yourself the question, should I keep my disability insurance contract or should I cancel it? First, how important is your income? How important is your income to your family? If your answer is: “My income is still important”, chances are you should keep your insurance contract. And that is for a
- [Should My Parents Sell Me Their Cottage for $1???](https://secureplan.ca/capital-gains-sell-cottage-for-a-dollar/) - 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
- [The Biggest Mistakes Parents Make When it Comes to Life Insurance](https://secureplan.ca/insurance-mistakes-parents-make/) - Many parents rely solely on the life insurance provided through their employee benefits. This is very concerning to me as an advisor. Most Group Life plans offer minimal coverage, sometimes only $25,000. While this will cover final expenses, it wouldn’t be sufficient to replace one’s income for their family. The reality is that many parents
- [Disaster-Proof Your Life](https://secureplan.ca/disaster-proof-your-life/) - Preet Banerjee is a well-known Canadian personal finance and investing expert, and the author of the personal finance book Stop Over-Thinking Your Money!: The Five Simple Rules of Financial Success. Banerjee’s 5 Rules for Personal Finance Success are as follows: Disaster-proof your life. Expensive emergencies can derail you, so protect yourself with disability insurance, life
- [It Pays to Live Healthy!](https://secureplan.ca/manulife-vitality-expedia-rewards-july-2022/) - We are sharing exciting news from Manulife Vitality! Manulife Vitality has a new partnership with Expedia to offer you rewards for living a healthy lifestyle. Expedia will replace Hotels.com as Vitality travel rewards partner as of August 31st 2022. What does this mean?? · Expedia is a world travel leader, with more than a million hotels
- [Insurance... is it a Gamble You Should Take?](https://secureplan.ca/is-insurance-a-gamble/) - I have heard people refer to buying insurance as gambling. The thought is, if we end up using it, we win, and the insurance company loses. If we never end up using it, we lose, and the insurance company wins. However, here is another way of looking at insurance . . . . . You
- [Can Life Insurance Really Help You Save On Tax?](https://secureplan.ca/can-insurance-save-you-on-tax-dec-2022/) - Have you ever had a financial/insurance advisor recommend using life insurance to save on taxes? Or you may have never heard of this option. Many people do not understand how this type of tax shelter works. While many are familiar with how Term Life Insurance may work, there is a different type of insurance that
- [Insurance is a Smart New Year’s Resolution](https://secureplan.ca/new-years-resolution-2023/) - A resolution is a firm decision to do or not to do something . . . which is often easier said than done. The New Year is an opportunity for us to implement some positive changes to better our lives, and the lives around us. We often make a promise to ourselves to do something
- [PSA for Business Owners and HR Managers](https://secureplan.ca/psa-for-business-owners-and-hr-managers/) - Did you know that the EI Sickness Benefits payout recently increased from 15 weeks to 26 weeks? You may want to ask yourself how this recent change impacts your Group Disability Coverage. Ultimately, it’s up to the employer to decide how to proceed given the changes. What does EI Provide? 55% coverage to a maximum
- [Proceed with Caution When Purchasing Life Insurance as an Investment](https://secureplan.ca/proceed-with-caution-life-insurance-as-an-investment/) - Be very careful when it comes to buying life insurance as an investment . . . if it looks too good to be true, it likely is! A broker can make a policy illustration look really good, potentially better than what you should actually expect. Unfortunately, based on this article, (Ontario’s insurance regulator orders Greatway
- [There is No “Average” Cost of Permanent Life Insurance](https://secureplan.ca/no-average-cost-of-permanent-life-insurance/) - I had someone reach out to me wondering what the monthly cost is for Permanent Life Insurance for a healthy 35-year-old. They were thinking they preferred Permanent Insurance as opposed to Term. There are so many options when it comes to Permanent Life Insurance, and the cost can change substantially. There is Term 100, Universal
- [Confused on RBC’s Disability Insurance Group Offset Amendment?](https://secureplan.ca/confused-on-rbcs-disability-insurace-group-offset-amendment/) - We want to help you understand exactly how the RBC’s “Group / Association Offset amendment (A670)” works. In this example, you are eligible for and purchase $10,000 of coverage based on your income. However, you also have $5,000 of Group LTD already in place. Because of overlapping coverage, your individual policy is issued with a
- [Be Lucky](https://secureplan.ca/be-lucky/) - What if I told you that luck isn’t a matter of chance, but a product of preparation and seizing the right opportunities? In the world of insurance, we often talk about luck. Clients who have comprehensive coverage might consider themselves lucky, especially when others can’t secure the same due to pre-existing health conditions. The truth
- [Do You Have Disability Insurance through your Employer? You Should Still Consider an Individual Disability Policy: What You Need to Know](https://secureplan.ca/individual-disability-insurance-09-2023/) - When considering financial security, one important factor often overlooked is the role of disability insurance. If you’re currently covered under a Group Long-Term Disability (LTD) plan through your employer, you may be asking yourself if it’s necessary to buy individual disability insurance as well. The answer depends on several key aspects of your existing coverage.
- [Buying Life Insurance to Cover Tax Bills](https://secureplan.ca/buying-life-insurance-to-cover-tax-bills/) - Buying Life Insurance to Cover Tax Bills: A Strategic Estate Planning Move In the realm of financial planning, one often overlooked yet critical consideration is the impact of taxes, especially when it comes to retirement savings and estate planning. One particular scenario where this becomes very important is when individuals are looking at their RRIF
- [Estate Freeze: A Strategic Approach to Business Succession Planning](https://secureplan.ca/estate-freeze-a-strategic-approach-to-business-succession-planning/) - Estate Freeze: A Strategic Approach to Business Succession Planning Navigating the complexities of business succession and tax planning can be a daunting task for business owners. One effective strategy that often comes into play is the “estate freeze.” This approach is particularly beneficial for those looking to pass their business to the next generation, like
- [The Importance of Reading the Fine Print: How We Ensure Quality Insurance Coverage](https://secureplan.ca/the-importance-of-reading-the-fine-print-how-we-ensure-quality-insurance-coverage/) - The Importance of Reading the Fine Print: How We Ensure Quality Insurance Coverage Understanding the intricacies of insurance contracts is essential to securing the best possible insurance coverage. As an insurance broker specializing in Life and Disability Insurance, I have learned that the fine print in these contracts can significantly impact the protection you receive.
- [How COVID Changed The Life Insurance Business](https://secureplan.ca/how-covid-changed-the-life-insurance-business/) - COVID-19 has fundamentally transformed the life insurance industry, driving technological advancements and changing how clients and advisors interact.
- [Why Lawyers Need Specialized Life Insurance Coverage](https://secureplan.ca/specialized-life-insurance-for-lawyers/) - Here we discuss how Lawyers face unique financial and career-related challenges that make specialized life insurance for lawyers essential.
- [Why Dentists Need Business Overhead Protection](https://secureplan.ca/why-dentists-need-business-overhead-protection/) - Business Overhead Protection not only practical but also cost-effective for dentists, helping to offset the cost while ensuring your practice is secure.
- [Why Should I Own Corporate Life Insurance?](https://secureplan.ca/why-should-i-own-life-insurance-inside-my-corporation/) - Corporate life insurance provides significant tax advantages for business owners, ensuring that more of your wealth is preserved for your family.
- [Why Is It Important to Have Disability Insurance for Physicians?](https://secureplan.ca/why-is-it-important-to-have-disability-insurance-for-physicians/) - Disability Insurance for Physicians is essential for safeguarding your income, ensuring financial stability in the event that an illness or injury.
- [Group Benefits: A Win-Win for Employees and Employers](https://secureplan.ca/group-benefits-a-win-win-for-employees-and-employers/) - Group benefits are about more than just healthcare. For employees, they provide financial security, support for loved ones, and peace of mind.
- [Maximizing Group Benefits: The Advantages of Partnering with a Third Party Administrator (TPA)](https://secureplan.ca/maximizing-group-benefits-the-advantages-of-partnering-with-a-third-party-administrator-tpa/) - A Third Party Administrator (TPA) brings flexibility to your group benefits plan, allowing customization and tailored options for your employees.
- [When Does Life Insurance Make Sense for a Child?](https://secureplan.ca/when-does-life-insurance-make-sense-for-a-child/) - Purchasing life insurance for kids isn’t about preparing for the worst—it’s about giving your child a financial advantage and protecting their future.
- [What Are The Biggest Dangers Children Encounter Early In Life?](https://secureplan.ca/what-are-the-biggest-dangers-children-encounter-early-in-life/) - Childhood comes with its share of risks, but parents can protect their family’s financial well-being with tools like children's life insurance.
- [Whole Life Insurance vs. Investment Property: A Unique Comparison](https://secureplan.ca/whole-life-insurance-vs-investment-property-a-unique-comparison/) - Whole Life Insurance and Investment Properties offer unique paths to financial security and wealth building.
- [Life Insurance for Ontario’s Medical Professionals: What Doctors and Dentists Need to Know](https://secureplan.ca/life-insurance-for-ontarios-medical-professionals-what-doctors-and-dentists-need-to-know/) - Doctors and dentists in Ontario face unique challenges when it comes to life insurance. The right life insurance policy can provide financial security for them.
- [Why Getting Life Insurance In Toronto Before You Need It Is Critical](https://secureplan.ca/why-getting-life-insurance-in-toronto-before-you-need-it-is-critical/) - The best time to get life insurance in Toronto is before life's unexpected challenges.
- [Health Spending Accounts vs. Traditional Benefits: What’s Best for Your Team?](https://secureplan.ca/health-spending-accounts-vs-traditional-benefits-whats-best-for-your-team/) - Health Spending Accounts (HSAs) offer flexibility and tax efficiency, but traditional group benefits provide coverage for high-cost medical expenses, life insurance, and disability insurance.
- [Do I Need a Health Spending Account?](https://secureplan.ca/do-i-need-a-health-spending-account/) - A Health Spending Account allows you to pay for medical expenses in a tax-efficient way, effectively turning personal healthcare costs into business expenses.
- [Do Millennials Need Permanent Life Insurance?](https://secureplan.ca/do-millennials-need-permanent-life-insurance/) - 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 solution
- [When does permanent life insurance make sense?](https://secureplan.ca/permanent-life-insurance-make-sense/) - Last week, I wrote “Why Insurance can be frustrating for the advisor as well!” If you missed the article, you can find it here: https://secureplan.ca/insurance-can-frustrating-advisor-well/. While I am a huge advocate of term insurance for many, permanent insurance has its place for some. Term Insurance is for “IF” you die and permanent insurance is for “WHEN” you die.
- [Dear Jeff...](https://secureplan.ca/dear-jeff-february-12-2020/) - “I work a 9-5 job and have always day dreamed about being my own boss – what has your experience been like working for yourself?” Five years ago, I took a leap of faith and left a career I loved at a company I was proud to be a part of. Haven’t looked back…if anything,
- [Dear Jeff...](https://secureplan.ca/dear-jeff-october-21-2019/) - Do you need insurance? Which insurance? Can you trust insurance agencies? You are not alone if you have asked any or all of these questions. Recently, I was contacted by someone who was skeptical about insurance – here is my response: “I believe that trust needs to be earned. In my business, it has always
- [No, RRSPS are not a rip off](https://secureplan.ca/no-rrsps-are-not-a-rip-off/) - As a disclaimer, I am not an “investment guy” – I just like money and understand investing way more than the average person. I believe in specialization, which is why I typically refer those asking me to invest their money over to the experts at JustWealth. I am tired of people coming to me saying
- [Is an Insured Retirement Plan Right for Me?](https://secureplan.ca/is-an-insured-retirement-plan-right-for-me/) - First thing first, IRP is not a product – it’s a concept/strategy. Universal Life Insurance is the product – so let’s talk about that first. Should mentioned that Universal Life is quite complex as there are many different components and ways to structure. I tried to keep this as simple as I can. Universal Life
- [The Alternative to Disability Insurance](https://secureplan.ca/the-alternative-to-disability-insurance/) - Here is what I often use to help illustrate the importance of proper disability insurance. This one was for a 35-year-old father who earns around $80,000 per year. He has no disability benefits through his work and his income is important to him. Before he met me, he never really thought about how financially devastating
- [Should You Trust Bank Advice?](https://secureplan.ca/should-you-trust-bank-advice-2018-03-23/) - There has been a lot of negative press around the advice in which Canadian banks provide. I have mixed feelings about what’s being said as I come from working at one of the big banks. A big part of my responsibility was training advisors. There were a lot of great advisors who would always do
- [How I am Growing my Business and You Can Too!](https://secureplan.ca/growing-business/) - One thing that I absolutely believe in is the power of a positive thinking. For many, it’s a difficult task to stay positive, especially during difficult times. The world can sometimes be a very cruel place, and while we may not be able to control certain aspects of our lives, we do have the ability
- [A Referral You Can Trust](https://secureplan.ca/a-referral-you-can-trust/) - A couple weeks ago, one of my clients asked if it was ok to pass along my name to a close family friend who needed help with their insurance. They were very relieved when I said yes. A referral doesn’t just help me build my practice, it also helps someone ensure that their friend, family
- [What's More Important Than Your Income?](https://secureplan.ca/whats-more-important-than-your-income/) - Have you ever sat down and thought about the importance of being able to earn an income? For most of us, isn’t it true that it is the ability to earn an income that provides for us? I encourage you to watch this video which illustrates how important our income is and what we can
- [A smart way to invest](https://secureplan.ca/a-smart-way-to-invest/) - The investment world is rapidly changing – for the better in my opinion. One way this is changing is that people are recognizing how much they are now paying in fees. Mutual Funds and Segregated Funds are extremely expensive and most managed funds rarely beat the market – especially when you take in consideration the
- [The Death of Long-Term Care](https://secureplan.ca/the-death-of-long-term-care/) - Unless you are an insurance broker, you likely never heard of long-term care insurance. This is unfortunate as it provides a solution to a significant concern for most retirees – outliving your money. RBC discontinued individual long-term care sales in 2012 (still available for conversion on their Disability and Critical Illness products). Manulife terminated individual
- [Choosing Your Life Insurance Policy Beneficiaries: Making Sure All Your Loved Ones Are Covered](https://secureplan.ca/choosing-your-life-insurance-policy-beneficiaries-making-sure-all-your-loved-ones-are-covered/) - Choosing the beneficiaries for your life insurance policy is one of the most important decisions you will make. Life insurance is, after all, meant to protect your family and loved ones. While your immediate family may seem to be the obvious choice as your life insurance beneficiary, there may be other people and organizations which rely on
- [The Most Important Policy Most People Don't Have](https://secureplan.ca/the-most-important-policy-most-people-dont-have/) - You know you need insurance to help protect you from the unexpected. You carry auto insurance because you acknowledge the possibility of an accident, theft, or vandalism. You carry homeowner’s insurance because you know a fire or burglary could happen to anyone. You probably have life insurance because you know that if the worst should
- [Capital Gains Tax on the Family Cottage](https://secureplan.ca/life-insurance-cottage/) - 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, after
- [Protect Yourself With Disability Insurance!](https://secureplan.ca/protect-disability-insurance/) - When it comes to selecting the insurance policies you need to protect yourself and your family from unforeseen events, you have probably covered all of the basics. Auto insurance, homeowner’s insurance, life insurance. Many people never look beyond these main three. There is one particular policy, however, that is often overlooked and that could prevent you from losing
- [Income Protection - Realtors](https://secureplan.ca/income-protection-realtors/) - Is your income dependent on your ability to generate new listings and sales? Could you afford the consequences of not having your income protected? Click to download our FREE Income Protection FAQ for Realtors to help you decide if income protection makes sense for you. Feel free to reach out to me personally and I
- [5 Reason’s Why You May Not Have Purchased Life Insurance](https://secureplan.ca/5-reasons-may-not-purchased-life-insurance/) - Life Insurance ownership is at a 30-year low. This leads to almost half of Canadian households saying that they need more life insurance. This is not surprising as there is a good probability that you have not been recently solicited to purchase insurance. I know that no one likes to be sold (including myself),
- [Beware of door-to-door sales](https://secureplan.ca/beware-door-door-sales/) - The fact of the matter is that many door-to-door sales reps are very poorly trained in both sales and the actual product they are offering. Most have one goal – to sell you the product they are pushing at your door and their training is based around how to make that sale. Being a sales
- [5 Reasons you may hate insurance but might want it](https://secureplan.ca/5-reasons-may-hate-insurance-might-want/) - While I absolutely love doing what I do – selling insurance is not easy. Don’t believe me? Try talking to your friends or family about insurance and you will see their eyes gloss over and excuse themselves from the conversation. While insurance is an extremely important part of your overall financial plan, there are some
- [Insurance can be frustrating for the advisor as well!](https://secureplan.ca/insurance-can-frustrating-advisor-well/) - Last week I wrote about 5 reasons why you may hate insurance but might want it. If you missed that article, you can find it here https://secureplan.ca/5-reasons-may-hate-insurance-might-want/. Insurance can be frustrating at times, especially when you are not working with an expert to help navigate you through the process. I wanted to share with you
- [Beware of Group Disability Insurance](https://secureplan.ca/beware-of-group-disability-insurance/) - Last week, I wrote “When does permanent life insurance make sense?” If you missed the article, you can find it here https://secureplan.ca/permanent-life-insurance-make-sense/. If you are like most Canadians, you are likely relying on your group long term disability policy to replace your income in the event of an injury or illness. This can be a costly mistake.
- [The Hidden Risk of Simplified Insurance](https://secureplan.ca/the-hidden-risk-of-simplified-insurance/) - We live in a time where people want what they purchase right away. Simplified insurance can help many obtain insurance without going through all the work to get it. That said – simplified insurance doesn’t give the client the same peace of mind as a fully underwritten policy. Personally, I am not a fan of
- [Syndnicate mortgages and my opinion about them](https://secureplan.ca/syndicate-mortgages-and-my-opion/) - There has been a lot of talk lately with Syndicate Mortgages and thought I would share my own opinion on these. I have been approached and asked by one of these syndicate mortgage companies to incorporate this type of investment into my practice and promote to my clients. After carefully reviewing the contract and doing
- [The Importance of Disability Insurance](https://secureplan.ca/the-importance-of-disability-insurance/) - Many insurance advisors have not actively discussed disability insurance with their clients. While most brokers have the ability to sell, most do not due to the complex nature of the product. What this means is that many insurance advisors typically focus on the life insurance – and sometimes, try to encourage their clients to purchase the best
- [Disclosing your smoking history](https://secureplan.ca/disclosing-smoking/) - Many people don’t disclose their smoking habits… but they should. By answering this question incorrectly, you are jeopardizing your policy. Do you really want to put yourself or your family in a position where a policy may not pay out since you decided not to be truthful at time of application? Deliberately stating that you
- [Don't Take Chances With Your Future](https://secureplan.ca/1648-2/) - Despite the sobering fact that one in three working-age Canadians will become disabled and unable to work before they turn 65, a shocking percentage of the population doesn't bother with disability insurance. And even those who do purchase disability insurance often settle for only a short term policy or simplified coverage through their mortgage insurance.
- [Why You Can't Afford Not To Have Life Insurance](https://secureplan.ca/cant-afford-not-life-insurance/) - Insurance agents hear the same story over and over again: I know I need life insurance; I just can't afford the premiums. The trouble is that those who feel they can't afford to have life insurance are likely the people who need it the most. Here are a few of the reasons why the argument
- [Why am I an Insurance Broker?](https://secureplan.ca/why-am-i-an-insurance-broker/) - 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
- [Why You MAY NEVER NEED Disability Insurance…](https://secureplan.ca/may-never-need-disability-insurance/) - Recently, I was working with a physician who told me that she did not feel that she needed to protect her income from disability. “Interesting” I said, and asked her to provide me with her reasoning. Her response was “I don’t believe that I am at risk to become disabled, I am young and healthy
- [Income Protection for Real Estate Agents](https://secureplan.ca/income-protection-for-real-estate-agents/) - 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.
- [Are You Wasting Money On Insurance?](https://secureplan.ca/are-you-wasting-money-on-insurance/) - A lot of time and effort goes into shopping for your dream home. You also probably spent a considerable amount of time shopping the market for the best mortgage rate available. Once you made your final decision, the lender offered you Mortgage Insurance to protect your most prized asset. On the surface it seems like
- [Demystifying the Health Spending Account (HSA)](https://secureplan.ca/demystifying-health-spending-account-hsa/) - Do you own an incorporated business? Do you personally receive income from your business? Do you and your family have annual Medical Expenses? If you answered YES to all of those questions… we can SAVE you money. What is a Health Spending Account (HSA)? An HSA is a Canada Revenue Agency approved method that

## Pages

- [SecurePlan Home](https://secureplan.ca/) - Independent insurance brokerage helping professionals and business owners across Canada with life insurance, disability insurance, group benefits, and tax-efficient planning.
- [Services](https://secureplan.ca/services/) - INSURANCE PLANNING FOR PROFESSIONALS AND BUSINESS OWNERS A Structured Approach to Protecting Income, Wealth, and Your Financial Future Insurance is often purchased in isolation. A policy here, a benefit plan there, without a clear understanding of how everything fits together. For professionals, executives, and owner-managed businesses, this approach often leads to gaps, inefficiencies, and missed
- [How to Set Up Your Plan](https://secureplan.ca/services/health-spending-accounts/how-to-set-up-your-plan/) - Health Spending Accounts HOW TO SET UP YOUR PLAN Without Health Spending Account Province(Required) OntarioBritish ColumbiaAlberta Medical Expenses(Required) Marginal Tax Rate (ON)(Required) 31.48%43.41%47.91%49.53%53.53% Marginal Tax Rate (BC)(Required) 31%40.70%45.80%53.50% Marginal Tax Rate (AB)(Required) 30.50%36%42%43%47% Unsure about Marginal Tax Rate? Click Here. Ontario British Columbia Alberta $100k = 31.48% $100k = 31% $100k = 30.50% $150k =
- [Health Spending Accounts](https://secureplan.ca/services/health-spending-accounts/) - A Health Spending Account (HSA) allows business owners to pay for medical expenses through their corporation in a highly tax-efficient way.
- [How to Get Started HSA](https://secureplan.ca/services/health-spending-accounts/how-to-get-started-hsa/) - Health Spending Accounts HOW TO GET STARTED Setting up a Health Spending Account is straightforward and highly flexible. Below is a simple framework to help you design a plan that fits your business. How the Plan Works The approach we use is pay-as-you-go. There are: no setup fees no annual fees no pre-funding requirements Costs are
- [Permanent Life Insurance](https://secureplan.ca/services/life-insurance/permanent-life-insurance/) - Permanent life insurance solutions for professionals and business owners focused on long-term planning, estate needs, and tax efficiency.
- [Term Life Insurance](https://secureplan.ca/services/life-insurance/term-life-insurance/) - Term life insurance designed to provide affordable, flexible protection during key earning and family-building years.
- [Life Insurance](https://secureplan.ca/services/life-insurance/) - Life insurance planning for professionals, executives, and business owners to protect income, family, and business continuity with purpose-built solutions.
- [Business Disability Insurance](https://secureplan.ca/services/business-disability-insurance/) - Business disability insurance to secure key personnel and ensure financial continuity if a critical member of your team becomes disabled.
- [Business Loan Protection](https://secureplan.ca/services/business-disability-insurance/business-loan-protection/) - Business loan protection insurance helps ensure business debts can be managed if an owner or key individual dies or becomes disabled.
- [Key Person Disability Insurance](https://secureplan.ca/services/business-disability-insurance/key-person-disability-insurance/) - Key person insurance helps businesses manage financial risk if a key employee, partner, or owner dies or becomes disabled.
- [Buy-Sell Funding](https://secureplan.ca/services/business-disability-insurance/buy-sell-funding/) - Buy-sell insurance funding helps business owners manage ownership transitions if a partner dies or becomes disabled, supporting continuity and financial stability.
- [Business Overhead Expense Insurance](https://secureplan.ca/services/business-disability-insurance/business-overhead-expense-insurance/) - Business Overhead Expense insurance helps cover fixed operating costs if you’re unable to work due to illness or injury, keeping your business running during recovery.
- [Wage Loss Replacement Plans](https://secureplan.ca/services/business-disability-insurance/wage-loss-replacement-plans/) - Wage loss replacement plans help businesses address income gaps for owners and employees when illness or injury prevents them from working and group disability coverage falls short.
- [About](https://secureplan.ca/jeff-romansky/) - Learn about SecurePlan’s mission, consultative approach, and experienced team dedicated to helping professionals and business owners with thoughtful insurance planning.
- [Travel Insurance](https://secureplan.ca/services/travel-insurance/) - Comprehensive travel insurance options for Canadians, with plans tailored to your trip needs and peace of mind while abroad.
- [Personal Health & Dental Insurance Plans](https://secureplan.ca/services/personal-health-dental-insurance-plans/) - Personal health and dental plans to supplement provincial coverage, offering flexible protection for individuals and families.
- [Critical Illness Insurance](https://secureplan.ca/services/critical-illness-insurance/) - Critical illness insurance that provides a lump sum if you’re diagnosed with a covered serious health condition, helping protect finances and future plans.
- [Disability Insurance](https://secureplan.ca/services/disability-insurance/) - Disability insurance solutions to protect your income and lifestyle if illness or injury prevents you from working, tailored for professionals and business owners.
- [Charitable Giving Strategies](https://secureplan.ca/services/life-insurance/permanent-life-insurance/charitable-giving-strategies/) - Charitable giving strategies using life insurance to create meaningful impact while supporting tax-efficient estate and legacy planning.
- [Estate & Wealth Transfer](https://secureplan.ca/services/life-insurance/permanent-life-insurance/estate-and-wealth-transfer/) - Life insurance strategies designed to support estate planning, wealth transfer, and the efficient transfer of assets to the next generation.
- [Personally Owned Permanent Life Insurance](https://secureplan.ca/services/life-insurance/permanent-life-insurance/personally-owned-permanent-life-insurance/) - Personally owned permanent life insurance designed for long-term family protection, estate planning, and legacy objectives.
- [Corporately Owned Permanent Life Insurance](https://secureplan.ca/services/life-insurance/permanent-life-insurance/corporately-owned-permanent-life-insurance/) - Corporate-owned life insurance solutions to manage retained earnings, fund estate liabilities, and improve tax efficiency.
- [Group Benefits](https://secureplan.ca/services/group-benefits/) - Group benefits consulting and tax-efficient employee benefit solutions for owner-managed businesses and professional corporations. Learn how we structure plans that balance value with cost control.
- [Mortgage Life Insurance](https://secureplan.ca/services/life-insurance/term-life-insurance/mortgage-life-insurance/) - Services MORTGAGE LIFE INSURANCE Why It’s Often Offered — and Why It’s Rarely the Best Option Buying a home involves major decisions. You compare properties, negotiate price, and spend time shopping for the right mortgage and interest rate. Once that process is complete, many lenders offer Mortgage Insurance as a simple way to protect your
- [Business Term Life Insurance](https://secureplan.ca/services/life-insurance/term-life-insurance/business-term-life-insurance/) - Services BUSINESS TERM LIFE INSURANCE Protecting Business Value, Partners, and Continuity Business Term Life Insurance is designed to protect companies and shareholders from the financial impact of a death. It provides liquidity at the exact moment it is needed most, helping ensure the business can continue operating smoothly during a period of transition. Common Business
- [Personal Term Life Insurance](https://secureplan.ca/services/life-insurance/term-life-insurance/personal-term-life-insurance/) - Services PERSONAL TERM LIFE INSURANCE Protecting Your Family and Financial Plan Personal Term Life Insurance is designed to protect the people who depend on your income. It provides a tax-free lump sum to your beneficiaries if you pass away during the term, helping maintain financial stability during a difficult and emotional time. Common Reasons People
- [Life & Disability Insurance](https://secureplan.ca/life-and-disability-insurance/) - Life and disability insurance helps individuals and business owners protect income, manage risk, and secure family or business financial security.
- [Advanced Planning](https://secureplan.ca/advanced-planning/) - Advanced planning helps manage taxes, liquidity, and legacy goals, using insurance strategically to secure wealth transfer and family outcomes.
- [Contact Us](https://secureplan.ca/contact/) - Company This field is for validation purposes and should be left unchanged. Your Name* Your Email* Subject Your Message This field is hidden when viewing the form Bot-Detection* Reach out to us! We would love to discuss your lifestyle and Insurance needs. t: 1.289.455.1492 From Planning to Execution Being an Independent Insurance Broker, we make it
- [Blog](https://secureplan.ca/blog/) - Search for: How Much Life Insurance Do I Need? A Canadian Guide for Every Stage of Life How Much Life Insurance Do I Need? A Canadian Guide for Every Stage of Life Jeff Romansky2026-08-01T02:38:16+00:00July 31st, 2026|Children's Life Insurance, Critical Illness, Disability Insurance, Estate Planning, Individual Insurance, Insurance News, Insurance Questions, Investment, Life Insurance, Long Term
- [Understanding Health Spending Accounts (HSAs): Your Guide to Tax-Efficient Health Expense Management](https://secureplan.ca/understanding-health-spending-accounts/) - Health Spending Accounts (HSAs) offer a tax-efficient way to manage health-related expenses and are beneficial for business owners and professionals.
- [Stop Wasting Money on Mortgage Insurance!](https://secureplan.ca/stevedainard/) - Stop Wasting Money on Mortgage Insurance! A lot of time and effort goes into shopping for your dream home. You also probably spent a considerable amount of time shopping the market for the best mortgage rate available. Once you made your final decision, the lender offered you Mortgage Insurance to protect your most prized asset.
- [Personal Affairs Organizer Thank You](https://secureplan.ca/personal-affairs-organizer-thank-you/) - Thank you Please find your download link for the Personal Affairs Organizer in your email that you provided us with. Back Home
- [Personal Affairs Organizer](https://secureplan.ca/personal-affairs-organizer/) - When it comes to finances, it’s not uncommon for one spouse or children not to have full knowledge of their financial affairs. What happens if something happened to the person who manages the family finances? Please fill out the form to receive a free document to provide easy access to important financial information for your
- [Privacy Policy](https://secureplan.ca/privacy-policy/) - Advisor Privacy Statement and Customer Consent Form My commitment to protecting your privacy: We comply with the federal Personal Information and Electronic Documents Act (PIPEDA and applicable provincial privacy laws). We maintain the highest standards of confidentiality to ensure the protection of your personal information (PI). We also adhere to the Canadian Anti-Spam Legislation and
- [Covered](https://secureplan.ca/covered/) - INSURANCE DON'T TAKE THEIR “15 years in this business and it still surprises me how many people don't realize there is better and more affordable coverage than what’s offered by the bank or mortgage broker.” MORTGAGE Did you know that you would likely be better off with an individual life insurance policy instead of taking
- [Testimonials](https://secureplan.ca/testimonials/) - Jeff was great in explaining the different products available and what was priority versus extra value. He helped us navigate the different options and the summary he provided was very helpful in making a decision. He always took the time to meet with us and follow up on the status of the policies. – DAWN
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- [Wealth](https://secureplan.ca/wealth/) - INVEST IN YOURSELF Wealth protection: get the security of a GIC and the performance potential of the stock market with minimal risk with Segregated Funds. Provide yourself with a fixed cash flow during retirement years and prevent yourself from outliving your savings with an Annuity. Segregated Funds may be for you if: You are looking
- [Health Spending Account (HSA)](https://secureplan.ca/services/health-spending-account-hsa/) - HEALTH SPENDING ACCOUNT (HSA) Health Spending Accounts (HSA’s) are becoming a popular component to group health and dental plans. They can also be an alternative to a conventional plan. An HSA is a flexible and cost-effective solution to meet the changing needs of employers and employees alike. It is an easy way for employers to
- [Supplemental Insurance](https://secureplan.ca/services/supplemental-insurance/) - SUPPLEMENTAL INSURANCE When you have existing Group Insurance… “I have benefits at work, I don’t need Individual coverage.” This is a very common response from individuals who work for an organization that provides a benefits to its employees. We encourage our clients to ask themselves two simple questions: 1.) Is the coverage offered through my
- [Insurance for the Self-Employed](https://secureplan.ca/services/insurance-for-the-self-employed/) - INSURANCE FOR THE SELF-EMPLOYED Are you self-employed? There are many advantages to being self-employed, but without a benefits package (normally offered by an employer), it is important to create a safety net for you and your family. That safety net might include Disability Insurance, Life Insurance, Critical Illness Insurance and even Health & Dental benefits. Disability Insurance A disability can disrupt

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- [simplified insurance](https://secureplan.ca/tag/simplified-insurance/)
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- [faq](https://secureplan.ca/tag/faq/)
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- [reddit](https://secureplan.ca/tag/reddit/)
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- [fixed income](https://secureplan.ca/tag/fixed-income/)
- [top 25 life insurance questions](https://secureplan.ca/tag/top-25-life-insurance-questions/)
- [question and answer about life insurance](https://secureplan.ca/tag/question-and-answer-about-life-insurance/)
- [top 50 questions about life insurance in canada](https://secureplan.ca/tag/top-50-questions-about-life-insurance-in-canada/)
- [canadian life insurance policies](https://secureplan.ca/tag/canadian-life-insurance-policies/)
- [life insurance FAQ](https://secureplan.ca/tag/life-insurance-faq/)
- [guide to life insurance in canada](https://secureplan.ca/tag/guide-to-life-insurance-in-canada/)
- [insurance policy in Ontario](https://secureplan.ca/tag/insurance-policy-in-ontario/)
- [canadian life insurance broker](https://secureplan.ca/tag/canadian-life-insurance-broker/)
- [best insurance brokerage in ontario](https://secureplan.ca/tag/best-insurance-brokerage-in-ontario/)
- [life insurance questions](https://secureplan.ca/tag/life-insurance-questions/)
- [CDA](https://secureplan.ca/tag/cda/)
- [RBC insurance](https://secureplan.ca/tag/rbc-insurance/)
- [insurance policy differences](https://secureplan.ca/tag/insurance-policy-differences/)
- [retirement insurance](https://secureplan.ca/tag/retirement-insurance/)
- [old age pension](https://secureplan.ca/tag/old-age-pension/)
- [canadian life insurance policy](https://secureplan.ca/tag/canadian-life-insurance-policy/)