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

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 over the past two years 2.  So, it is no surprise [...]

Can a History of Mental Health Issues Affect Your Life Insurance Application?2022-02-24T21:37:07+00:00

Don’t Take Chances With Your Future

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. [...]

Don’t Take Chances With Your Future2016-08-02T11:53:59+00:00

Why You 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 [...]

Why You MAY NEVER NEED Disability Insurance…2016-03-03T17:22:46+00:00

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