Category Archives for Uncategorized

How Marijuana Smoking Affects Life Insurance Rates

How Marijuana Smoking Affects Life Insurance Rates. In the past, there has always been an issue facing marijuana smokers when it comes to life insurance coverage.  To life insurance companies, marijuana and tobacco have always been viewed as equally damaging to your health. What this means is that they will rate marijuana smokers (medical and […]

Continue reading

New kind vs old kind of life insurance

What is the best life insurance plan for me? This is a question that I, as a financial advisor and insurance broker, get from people every day. There is a lot of confusion out there in the marketplace, caused in large by misinformation and unscrupulous life insurance agents who are putting their needs before their […]

Continue reading

term vs whole life insurance

term vs whole life

The truth about Whole Life vs Term Insurance Let me start this article by saying that I am an insurance agent, but I will tell you things here about Whole life insurance, that may cause a lot of my insurance agent friends to hate me, but I don’t care, because the truth needs to be […]

Continue reading

Life Insurance for diabetics

Life Insurance for Diabetics If you or a loved one have diabetes, or even higher than normal sugar levels, you may have had problems getting life insurance, or at least a life policy at a good price. Obtaining life insurance for diabetics can be challenging, but if you get yourself a good broker that understands […]

Continue reading

Critical Illness cover – who needs it?

Let’s talk about Critical Illness Insurance(CI) cover If you are looking for a broader spectrum of coverage than just life insurance alone can offer, there’s Critical Illness insurance cover. Today people are living longer and healthier lives. In fact, illnesses that would end in death for many people just a few years ago are now […]

Continue reading

Disability Insurance in Canada

Disability Insurance- how important is it for self employed & Business Owners?   I just had lunch with the BMO insurance  vice president who was just discussing about sickness and critical illness benefits and  how that could fit to my practice. The disability part is really for self employed  and you know that if something would happen to you and if you get sick or  get into an accident wherein you couldn’t really get to work for a while, that  would severely impact your business and your income that you’re taking home.  Disability Income Replacement Insurance can replace part of the income you may loose     Because if you are self employed the chances are you rely on yourself and not on  somebody else to pay away.. So, a disability policy can actually help you recover  at least part of those wages that you are missing so you can survive and your  business can survive while you are going through this really difficult time. So  personally I had an experience in my life where I was disabled because of an illness  and if I didn’t have a disability policy I would have really ha a rough financial time  because I was off of work for 14months, so 1 year and 4 months and a  recovering from a cancer diagnoses and If I didn’t have that income coming in and  I also had a critical illness policy which was a lump sum payment that they paid  me I don’t know how I would survived.  My […]

Continue reading

RBC Quotes

[vc_row][vc_column width=”1/1″][vc_row_inner][vc_column_inner css=”.vc_custom_1424361937782{background-color: #dddddd !important;}”][vc_column_text disable_pattern=”true” align=”left” margin_bottom=”0″] Best Rate Calculator [/vc_column_text][vc_widget_sidebar sidebar_id=”sidebar-1″] [/vc_column_inner] [/vc_row_inner][/vc_column][/vc_row]

Continue reading

Why is life insurance premium is increasing?

Why is life insurance premium is increasing? If your term life insurance premium is increasing, that usually means that you have had your policy for at least 5 years (5 year term), but most likely 10 year term or perhaps even 20 year term. It is quite normal for insurance companies to increase premiums after […]

Continue reading

Why do I need life Insurance

Why Do I Need Life Insurance Why do I need life insurance? For many, life insurance never crosses our mind until we or someone we know go through a life changing event. It’s not until some important event in our life takes place: such as, getting married, buying a house or having kids that we […]

Continue reading