Whether you’ve been vigilantly stowing away spare pennies since birth or burning through your cash flow each cheque with reckless abandon, we don’t care. What we do care about is families being protected from the wrenches of life that hit all too quickly and render any preexisting plans useless. We all know someone who’s lost…
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When most people sign on to a new benefits plan with their employer, few would question their life insurance policy. Top concerns often relate to annual health concerns — whether you can get new glasses, chiropractor treatment, massage, etc… now, those concerns are totally fair. Getting a good crack or fresh style is a […]
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There’s more to a life insurance policy than what meets the eye. Between the lines of text and signatures is something more symbolic — something that signifies responsibility. There are a few stepping stones of adulthood that everyone seems to go through at their own pace. Keeping a cleanly living area, holding a fulfilling job, […]
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You’ve had the question come up before — “What matters most in life?”, to which the obvious answer is (usually) “family”. Well, there’s a number of ways we provide for our families, but when it comes down to it there is just one root of it all… money. That’s why disability and critical illness […]
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There is tons of misinformation regarding life insurance and it is easy to see why some people feel overwhelmed. Did you know that policies are not just for “old people” or those who have purchased a house or had a baby? Many people assume that the life insurance they have from their job will suffice. […]
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Discussing life insurance options can be tricky for a large percent of the population. Looking at personal financials and discussing mortality are topics that are easy to avoid. It can feel like too much pressure, deciphering our current debt, our future goals and the legacy we hope to leave. There are numerous reasons why we […]
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We understand you may have many questions regarding your Critical Illness policy and how genetic testing may affect your ability for life insurance approval. Many people are interested in finding out which health concerns they may be pre-disposed to as a precaution. With so many companies offering mail-in genetic tests that simply rely on a […]
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Starting in January 2019, Western Canada’s successful small business owners face yet another tax planning hurdle. If your accountant hasn’t already told you, a 5-to-1 clawback of the $500,000 small business corporate income tax deduction will soon apply to Canadian operating companies with more than $50,000 of annual passive income in the previous tax year. […]
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As you and your family move through different stages of life, your Kelowna life insurance plan should be adjusted. Planning for a great life includes paying attention to your life insurance and making the necessary adjustments over the years. Reasonable changes should be made as early as possible to save cost and produce the best […]
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There are the three main reasons why individually owned Life Insurance beats Mortgage Insurance in terms of value and flexibility: The death benefit amount remains level, instead of decreasing with the balance of your mortgage! Your family or business can be the beneficiary, as opposed to the bank! Your chosen beneficiary has the freedom…
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