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 [...]
Keep in Mind, Health Buys Insurance – Not MoneyWhen 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 change [...]
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 dedicated insurance broker, focusing on how it can [...]
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 parents, who are keen to ensure their family's financial stability. [...]
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: [...]
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 cost-effective solution to ensure you have the coverage you [...]
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 [...]
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 [...]
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 [...]
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 [...]
