The Smart Way to Weather Life’s Storms
We all know the saying: nothing in life is certain except death and taxes. But there’s another truth we tend to forget—life is full of surprises, and not all of them are good ones. A sudden job loss. A medical emergency. A serious accident. Even the loss of a loved one. When you think about […]
Life Insurance: What You Need to Know
When it comes to life insurance, the name is a little misleading—it’s not really for your benefit. It’s there to protect the people you care about most if something happens to you. In a way, it’s more of a “loved ones’ lifestyle protection plan.” One of the first things to understand is that you don’t […]
Have You Protected Your Most Valuable Asset?
Here’s a question that most people don’t think about: What’s your most valuable asset? Your house? Your investments? Maybe your car? Actually, it’s none of those. Your most valuable asset is your ability to earn an income. It’s the engine that keeps everything else in your financial life running—your mortgage, your groceries, your kids’ sports […]
Could Your Finances Survive a Critical Illness?
Nobody wants to think about it, but what if you get seriously ill? We all like to believe it won’t happen to us – cancer, a heart attack, or a stroke – are things that happen to other people. And we might assume that if something does happen, the healthcare system will take care of […]
Insurance Essentials for Small Business Owners
Starting a small business often begins with a great idea and a desire to build something meaningful. For many owners, their business isn’t just a source of income—it’s how they provide for their families. But here’s the thing: most small businesses rely heavily on the health, skills, and vision of the owner or a key […]
But I’m Invincible
Most people have a false sense of security by believing that they will not be victims of a critical illness like cancer, heart attack or stroke; and if they are, that the healthcare system will look after them. Nothing could be further from the truth. The reality is, according to the Heart and Stroke Foundation, […]
What is Insurance?
Insurance surrounds each of us every day: When you get in your car, when you come home to your residence, and while you work. Insurance is always in the background discreetly doing its job. Most of us, however, do not think about it much or realize the very important function that all types of insurance […]
The Five Insurance Must Haves
Insurance is, and has always been, a tool to manage risk. If you cannot afford to ‘lose’ something, it is best to insure it. As with many other financial situations there are various solutions design to protect against financial losses. The five types of insurance everyone should have are: Life Insurance The primary reason to […]
Life Insurance Simplified
Life insurance, including mortgage or creditor insurance, is a key tool in your financial arsenal. This article will provide a high-level overview to help you better understand your choices when considering life insurance as part of your overall financial strategy.Life insurance, at its core, protects the standard of living of loved ones left behind after […]
Beware of Travel Scams
If you are planning a holiday, it is wise to be aware of the six most common travel scams you might encounter on your journey. Travel scams vary from country to country, but a few scams are commonly found almost everywhere. We have put together a list to help you stay safe during your […]
How’s Your Group Life Insurance?
Owen is married and has two children. He has been working at the same company for over five years and relies heavily on his employee group plan for his life insurance needs. A new single co-worker got the same benefits after only 90-days and Owen wonders if his group insurance can let him down. Owen […]
Can You Be Over-Insured?
Most Canadians take the correct steps to protect their property against loss in case anything they own is lost or stolen. Concerns about recouping losses if a home is robbed, or a favorite vintage guitar is destroyed during a basement flood, are questions with very routine answers. But when it comes to considering the […]
It Won’t Happen to Me. Yeah, Right.
Ross and Janis lived a typical Canadian life. They were married, had two children, Melissa and Kyle, and both worked outside the home. An avid golfer, Ross also went on fishing trips with friends and helped coach his son’s hockey team. Janis played the piano, enjoyed bike rides with her friends, and was treasurer […]
Mortgage Insurance: Not Necessarily as Advertised
It’s all part of the process when you are arranging a mortgage for your new home. The bank employee inevitably asks if you would like to purchase mortgage insurance. No one likes to think about their own mortality; however, we all know deep down that stuff happens. People contract terminal illnesses or suffer debilitating or […]
Will You Put Your Parents’ Retirement at Risk?
When Sarah graduated from university and got her first job as a regional sales rep, her parents bought her a car to ensure she’d have a reliable vehicle for the travelling her new position would require. Sadly, only weeks after receiving this generous gift, Sarah hit black ice while driving and lost control. Fortunately, she […]
Protecting your Most Valuable Asset
Most of us take for granted that we will be able to get out of bed every morning and go to work to earn a living. We base all of our financial plans on this seemingly obvious concept. Our most valuable asset is the ability to earn an income. Unfortunately, it is also one of […]