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Critical illness insurance is a living benefits policy that pays a benefit to the person who owns the policy, as opposed to their beneficiaries. This is insurance that provides owners with a lump sum of money if they experience a critical illness that is covered under their critical illness policy.  Common covered illnesses are heart…

Please fill out the enclosed information to get a critical illness insurance quote.  We will send out a quote based on the information you have provided.  Critical Illness insurance has a lot of variables that impact how it is paid out.  That is why there is not an automatic online calculator for critical illness coverage….

Please fill out the enclosed information to get a disability insurance quote.  We will send out a quote based on the information you have provided.  Disability insurance many variables that impact how it is paid out.  That is why there is not an automatic online calculator for disability.  We have specialized in disability insurance for…

      With a Life Insurance Company    With a Bank or Trust Company ·         You purchase an individual policy which is fully underwritten at time of application. ·         You get a certificate relating to a master group policy which is typically underwritten at time of death. ·         You own the policy – you…

Getting the benefit of the opinion from an independent broker who knows the basics of your situation is invaluable, and you have already paid for it. Every insurance policy in Canada is by law sold through a licensed agent, and that generates a commission or salary, even if the policy is bought online.  So you…

Mortgage Insurance Explained Enclosed is a brief video showing 3 ways and reasons to save money on your bank mortgage insurance. 1.Do you want to receive the big discount available for being a non-smoker?  At banks, smokers and non-smokers pay the same rate.  This is a great deal for smokers, btw. 2. Do you want…

One form of insurance that you may not be aware of is critical illness insurance. This is insurance that provides owners with a lump sum of money if they experience a critical illness that is covered under their critical illness policy.  Common covered illnesses are heart attack, stroke and cancer, but up to 30 conditions…

Here is a guide I put together for my clients to help in understanding and purchasing disability insurance.  If you would like an individual quote for disability insurance using your information, please fill out and submit the short form here. Disability Insurance is referred to as a Living Benefit policy because it is something that…

the 250000 boost TFSA 1. Start Now Saving is hard, but there is no better way to save than in an account you will never pay tax on – now or later.  You won’t have to pay tax on interest, dividends nor capital gains.  You can contribute $5,500 per year, and your contribution room has been growing. 2. Switch…

Term Life insurance is great for getting the amount of life insurance your family needs, at a cost you can afford. Here is an example of how to save more than 100% on Term Life Insurance! You can save over 100% on your life insurance premiums and save thousands of dollars. This may sound unlikely,…