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Term life insurance is a very popular choice for many Canadians who purchase life insurance. We are commonly asked what is the best type of term life insurance to buy. There are different lengths of term life insurance available to purchase. The amount of years the term lasts determines how long the premiums or “cost” [...]

What Happens to a Term Life Insurance Policy When it Expires? The most common and affordable type of life insurance available in Canada is term life insurance. Term life insurance is typically used to cover outstanding debts (e.g. mortgage, student loans, car loans, etc.) as well as provide income for families in the event of [...]

Paying your death benefit is the most important feature of your life insurance policy. The good news is that any life insurance company in Canada is well able to pay any death benefit that they choose to insure, at any time. There's a variety of reasons for this, the two most important being 1/ The [...]

Heard about Manulife's Vitality program and seeking the fine details? Everything you need to know is here. Manulife Vitality is an option that you can add to a new Term 20 or Term 65 life insurance policy. This option offers you two additional benefits; a potential discount in premiums and a rewards program. The option [...]

I've recently been on the blunt end of two instances of life insurance companies acting in a method that's contrary to consumer's best interests. While that's bad enough, as best I can determine, there's no recourse for consumers or their advisors who are attempting to stop these behaviours. Effectively the life companies are able to [...]

Using life insurance as an asset class offers you two benefits. First, insurance policies have some tax-sheltering advantages (important with larger investment portfolios) and secondly you can diversify both by participating in the general returns of some insurance company portfolios, as well as taking advantage of insurance pricing considerations. Looking for a second opinion on [...]

The Insured Retirement Plan is a retirement tax strategy that uses life insurance in 3 distinct tax-advantaged ways. Looking for a second opinion on the Insured Retirement Plan? Call now, 1-877-344-4011. We will automatically quote policies with minimized commissions. We will survey the market for the best policy, without regard to company. Call now for [...]

I continue to read online articles that claim life insurance brokers sell certain products because their commission is higher on certain products. These articles then always follow up with suggesting consumers need to delve into the fine details of how brokers are paid. Doing so apparently protects your best interests. I disagree entirely. If I [...]

Here's my top 5 list of things that I believe regulators need to change in the life insurance insurance industry. 1) Remove the fraud exclusion from life insurance policies. Right now Canadian life insurance policies state that life insurance claims can be denied in the first two years of the policy based on failure to [...]

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