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INSURANCE - HELPFUL TIPS

The stages of life insurance: Part II

Helpful Tips, Insurance

Young or old, planning for the future with life insurance is too often forgotten or placed on the back burner. You should think about life insurance when you have financial obligations, responsibilities and priorities. Could your family cover the mortgage payments and household maintenance costs if you died too soon? Would there be enough money for your children’s daycare, tuition for college or university?

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The stages of life insurance: Part I

Helpful Tips, Insurance

Most millennials think they don’t need life insurance. But did you know that nearly 3 out of 5 millennials say that if they suddenly passed away they would be concerned about the financial wellbeing of their loved ones?For many in this age range, life insurance never crosses their minds until a life changing event like marriage or having kids takes place.

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Life insurance mistakes to avoid

Helpful Tips, Insurance

There is no question that confusion exists when it comes to the topic of life insurance, and where there is confusion, mistakes can happen. So, to help you learn from other’s experiences, here are some common life insurance mistakes to avoid before, during and after you make a life insurance purchase: 

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Protecting your home with life insurance

Helpful Tips, Insurance

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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