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Home Financial Health Blog Archive for category "Protect your income and your family"

Protect your income and your family

Life, Critical Illness, and Disability insurance: Why do you need it and how much should you have?

If you want to learn more about insurance and why it’s important to you, I recommend two web sites: Life Happens, a non-profit organization, helps you understand the importance of life, disability and long-term care insurance in a sound financial plan, so you’re able to better protect yourself and your family. The site gives youRead More…

 

Critical Illness Insurance Can Be a Financial Life Saver

It was a world-famous heart surgeon, Dr. Marius Barnard, who created critical illness insurance, as he saw how the financial stress that accompanied cancer, heart attack and stroke was killing his patients. Critical illness insurance can cover cancer, heart attack, stroke, coronary artery bypass surgery, aortic surgery, and up to 20 additional conditions depending onRead More…

 

Protecting your wealth with life insurance

Who needs life insurance? People with responsibility for others For people who depend on you for support, a spouse, children or dependent adults, life insurance can play a fundamental role in their continued financial well-being.  In addition to making up for the loss of your income, the proceeds from a life insurance policy can beRead More…

 

Life insurance without a medical exam – ages 20 – 85

There are people at all stages of life that, for different reasons, can’t or don’t wish to go through the paramedical process to qualify for life insurance, or are hard to insure due to age or infirmity. Why should you consider No Medical Life Insurance or Simplified Issue Life Insurance? You’re a Canadian citizen, permanentRead More…

 

Business Owners: Save up to 30% on health benefits with a PHSP

For incorporated businesses with 1-20 employees, a Personal Health Services Plan is more cost effective than a traditional benefit plan. What does a traditional health and dental plan really cost? For smaller businesses, traditional benefit plan premiums can be a disproportionately large and growing expense that you have to pay every month, whether you makeRead More…

 

Don’t leave home without it! Best rate and coverage on travel insurance

Travel insurance is one of the most important ways you can protect yourself from financial catastrophe.  We can help you understand travel insurance and get the most appropriate coverage for your age, health status and destination.   As a broker, we deal with many insurance companies and can get you the lowest cost. Our affiliate, SecuriglobeRead More…

 

Two out of five will develop cancer during their lifetimes

Cancer is the leading cause of death in Canada, surpassing cardiovascular disease. Two out of five people will develop cancer during their lifetimes. On average, more than 500 Canadians are diagnosed with cancer every day. In recent years, the survival rate has increased and 62% of people are now expected to survive more than fiveRead More…

 

Estate Bond: Immediate estate value, tax-efficient investment

An estate bond is a tax-efficient strategy that gives you a large and immediate estate value.  More than that, it’s a wealth accelerator that allows you to pass on assets to your heirs or shareholders, tax-free.  And it can be used to provide tax-free retirement income. The benefits are many An estate bond gives estateRead More…

 

Start a family conversation about elder care

Starting a conversation about someone’s age is a sure way to be the least popular person in the room. But while this is a no-go territory for cocktail party chatter, it’s a conversation you need to have with your parents. Statistics Canada tells us that in 2007, people aged 45 to 64 paid for 75%Read More…

 

Planning for your later years now

Long term care Long term care insurance is a solution focused on planning for the health risks associated with later retirement and the realities of aging. Fortunately, most of these changes aren’t dramatically different from one day to the next – it’s more of a gradual process. The level of health care and personal assistanceRead More…