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INSURANCE - HELPFUL TIPS

Protecting your Home with Life Insurance

Helpful Tips, Insurance

Couple with a house

Buying a home can be the single biggest purchase an individual will ever make.  

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Factors that Determine How Much Your Life Insurance Will Cost

Helpful Tips, Insurance

How much you will pay for life insurance is based on several factors including your age, health and smoking status. Check out this infographic to help you understand all the factors that may influence your life insurance quote:

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Answering some important life insurance questions

Helpful Tips, Insurance

Couple looking at laptop

Life insurance is an important part of your overall financial plan. We’ve put together some easy to understand video’s to help you get started with answering a few important life insurance questions.

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Lessons Learned - Irrevocable Life Insurance Beneficiary not so “Untouchable”

Helpful Tips, Insurance

Family being severed

As a follow-up to our recent post on when an irrevocable life insurance beneciary may not be so "untouchable", Peter WoutersDirector of Tax Retirement & Estate Planning Services at Empire Life, continues to provide his insights on a recent court case where life insurance proceeds were made available to a dependant - despite the same policy naming another dependant as an irrevocable beneficiary as part of a separation agreement.

Lessons to be learned? Find out.  

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Irrevocable Life Insurance Beneficiary not so “Untouchable”

Helpful Tips, Insurance

Family on Bridge

An "irrevocable life insurance beneficiary" refers to a person that is designated to receive life insurance benefits from a life insurance policy or segregated fund contract where that designation cannot be changed without that person’s consent, and on the death of the life insured the benefits do not form part of the owner’s (if he/she is the life insured) estate. This is set out in the Insurance Act. 

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6 Tips for the First-Time Life Insurance Buyer

Helpful Tips, Insurance

Are you looking to purchase life insurance for the very first time and have no idea where to start? 

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Life insurance: More affordable and simpler than you think

Helpful Tips, Insurance

It’s surprising that many people know that their families would benefit from having life insurance, but yet many people still don’t have it. Obviously, barriers exist for people – perhaps competing priorities, not knowing enough about what to purchase and where to start with the process, and thinking that it’s not affordable.

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Consider Including Life Insurance in Your Summer Planning Checklist

Helpful Tips, Insurance

Family_on_Beach

The summer season can mean time for barbeques, biking, soccer, baseball, watching beautiful sunsets and having s’mores around the campfire. The season conjures up images of lazy days in a hammock or lying poolside. However, the reality for many people consists of hectic schedules and very busy summer calendars. With kids out of school, summer camps, and running to scheduled sporting events, getting some spare time can seem challenging at times. 

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Valuing a Stay-At-Home Parent

Helpful Tips, Insurance

Child kissing mom

Although it may be more common to see two income Canadian families, many parents are opting to stay at home to raise the kids.The decision to stay at home is usually contemplated when the kids are quite young, and typically, after the second or third child comes along. Then it becomes the financial trade-off decision whether to spend money on daycare or learn how to stretch having only one income in the household. 

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Insurance Lingo - Your Quick Reference Guide [Infographic]

Helpful Tips, Insurance

Shopping for insurance can be challenging and confusing given the unfamiliar terms that are used in the industry.  

To help, we have created your quick reference Insurance Lingo infographic. Whether you are just starting your search for insurance, just got approved, or just need a refresher, here are some terms for you to understand, and tips for you to use!

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