Do You Have Disability Insurance through your Employer? You Should Still Consider an Individual Disability Policy: What You Need to Know

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 [...]

Do You Have Disability Insurance through your Employer? You Should Still Consider an Individual Disability Policy: What You Need to Know2023-09-22T19:31:20+00:00

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 always prioritize a complete understanding of your insurance [...]

Understanding Critical Illness and Disability Insurance: An Informed Choice2023-08-01T15:47:07+00:00

Unlocking the Potential of the Future Increase Option: A Hidden Gem in Disability Insurance

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 [...]

Unlocking the Potential of the Future Increase Option: A Hidden Gem in Disability Insurance2023-07-14T19:34:20+00:00

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 [...]

Be Lucky2023-05-26T14:20:39+00:00

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 you're young and feeling on top of the world. In this blog, we'll discuss [...]

Protecting your Insurability. Why Young Canadians Should Start Thinking About Life and Disability Insurance Now2023-05-12T18:30:00+00:00

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 times.  We know that shopping for [...]

Life Insurance – Adulting at its Best2023-04-18T19:46:55+00:00

Confused on RBC’s Disability Insurance 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 [...]

Confused on RBC’s Disability Insurance Group Offset Amendment?2023-03-29T19:08:26+00:00

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 [...]

PSA for Business Owners and HR Managers2023-01-23T23:29:32+00:00

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, [...]

Disaster-Proof Your Life2022-03-24T21:48:09+00:00
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