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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…

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…

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…

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,…

Life Insurance is an economical way to financially protect your family from not having enough time to complete your plans.  It is part of an overall strategy of Financial Planning (video).   Life insurance can replace the income you would have earned to your family in case of an early death. The buying of life insurance…

If you are looking for the maximum possible protection at the lowest possible cost, term insurance is the most affordable life insurance available. Here are major points you need to know about. preferred rates: the discounts for good health and being a non-smoker work with an independent broker who will shop the market to make sure…

Long Care Term Insurance is designed to help pay for the care that people may need as they get older, especially after retirement.  Many disability policies now have the feature that after a certain age, the disability benefit can be converted to a long term care benefit, determined by the policy. The cost of long…