Understanding “Ratings” For Substandard Risks
In several postings on this blog, one of the words we constantly use is ratings. What does it mean t...
5 Factors That Affect Your Life Insurance Premiums
I often meet clients who ask me why their life insurance premiums are higher than that of their...
What is Long Term Care?
When I discuss long term care with many of my clients I try to make sure they understand the di...
Life, Critical Illness, Disability & Long term Care – What Is Most Important?
In terms of protection for every need, the ideal financial plan should include life insurance, criti...
5 Reasons To Have Life Insurance
Life insurance, much like other types of insurance is generally about helping the insured mitigate s...
Pass The LLQP – Eight Simple Rules
The Life License Qualification Program (LLQP) is a two-step licensing system that requires completio...
The Role of Critical Illness Insurance In Financial Planning
Based on recent statistics, Canadians are 10 times more likely to be unable to work because of a [in...
CBC’s Investigative report on Mortgage Insurance
In Denial is an investigative report put on by CBC’s Marketplace. It discusses non-medical (po...
Understanding Life Insurance Exclusions
I recently met with a client and the topic of exclusions came up during our standard client review s...
Segregated Funds Versus Mutual Funds: What’s The Big Difference?
Segregated funds and mutual funds are both investment vehicles that represent a collective pool of f...