Universal Life – When and Why?

Over the years there has been much debate between insurance sales people offering their advice on Universal Life Insurance.  You’ve no doubt heard the “buy term and invest the difference” company say that it’s always better to buy term insurance and invest your extra cash flow in a solid investment portfolio.  You may have also [...]

Mortgage Insurance – Turning the Lose, Lose into a Win, Win.

This topic has been a controversial one for a few years now and I thought that some facts might help to clear things up. Many Canadians own homes and have a mortgage.  When we get a mortgage we are also offered “mortgage” protection from the banker or mortgage salesperson.  This is where the controversy starts [...]

When is Your Renewal?

Term Insurance – When is the renewal? The name “Term Insurance” is meaningful because it’s insurance for a specified “term”.  The premiums and the benefit will be level (in most cases) for the duration of the contact.  So for a $500,000 term-20 policy; the premium will remain unchanged and the benefit of $500,000 will stay [...]

Crash Course in Critical Illness Insurance

We often have clients ask us about critical illness insurance and we give them the facts – navigating through the sales tricks of some companies, and finding the best “real” value.  It’s not all about “what you spend” for critical illness insurance, it’s about “what am I getting for my money?” Simply put, critical illness [...]

Why Being Independent is Important

Having an independent advisor for life insurance is the foundation to a solid insurance portfolio. An independent insurance advisor is able to deal with multiple companies and find the best life insurance solution for every client. Rather than focusing on the products of one insurance company – an independent advisor provides the consumer with a [...]