Group Insurance Will Look After Me, Won’t It?
Many people assume their employer’s group coverage will meet their needs. However, as Sally, Peter, and Steve found out, relying solely on it can lead to serious issues. From inadequate life insurance to denied disability claims, group plans can be unpredictable.
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 […]
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 […]
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 […]
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 […]
Credit Balance Insurance: Worth the Money?
Graham*, like millions of other Canadians, has and uses credit cards. He often carries a balance from month to month and is concerned about making the monthly payments if he becomes disabled or gets seriously ill. Graham doesn’t want to stick his family with the balance if he dies before paying it off. The […]
Insurance Needs for Small Business Owners
For many small business owners, what began as a bright idea or an innate desire to exercise their entrepreneurial spirit turned into a new enterprise with the promise to provide for them and their families. Even the most successful small businesses are significantly reliant upon the continued health, vision and skills of the business owner […]
Are You Prepared For the Unexpected?
Besides ‘death’ and ‘taxes’, the other certainty in life is that life is full of unexpected events. So why aren’t we more prepared for financial stresses when they occur? With the odds of an unexpected event such as a job loss, a medical emergency, a debilitating accident, or a death in the family fairly […]