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 [...]
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, [...]
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 [...]
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 [...]
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 [...]
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 . . . . . [...]
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, [...]
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 [...]
It’s amazing how COVID-19 has impacted the way we think and feel. I have always believed that you need to treat your mind like a garden. Imagine moving into a new home, and this home has a beautiful garden in the backyard. The previous owner took great care of their garden. They [...]
We have been receiving numerous calls asking how COVID-19 has impacted existing insurance policies and if there is any sort of financial relief available within their plans. To get the message out, we partnered with Barry Choi, a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of [...]
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