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Life is full of surprises! One typical day can start on a sunny morning and end in a thunderstorm that will turn your world upside down.
The most ironic thing about buying an insurance policy is that you must buy it when you don’t need it! In the event of an unexpected injury or illness, the insurance company will likely not sell you the policy, or it will be much more expensive. The first step in the insurance application process is filling out a detailed medical questionnaire. All health problems must be listed; this information can dramatically increase the cost of your insurance and may cause problems in the future if the information provided is inaccurate. As long as a person is young and healthy, the cost of life insurance can be meager. Over time, various health problems can arise, diseases can be diagnosed, and life or health insurance can become very expensive.
Contact us for a FREE consultation to get answers to your questions and assess your situation.
Disability insurance works when you can’t. Disability insurance can provide you with a tax-free monthly income that can help you keep your financial expenses hassle-free and worry-free if you are unable to continue working due to illness or accident. Disability insurance will pay you monthly benefits, from complete disability to rehabilitation, and even for a short period after recovery. Some insurance companies also offer partial disability insurance and disability coverage so severe that the insurance company assumes that you will be disabled.
The beginning of a child’s life is always full of opportunities. And even if your child is just born and far from knowing what to want for their future, this is the best time to start saving money for their college education.
If you’re willing to do whatever it takes to prepare your child for a better life, open a Registered Educational Savings Plan (RESP) as soon as possible to get the best results. At birth, your child will receive a Social Security Number (SIN) and be eligible to become an RESP recipient, so you can start saving immediately.
You will have plenty of time to reach the $50,000 RESP contribution limit per child.
Short-term policies are usually purchased by young families with children. If you are a young couple with a mortgage and children, you should seriously consider short-term life insurance. Without savings, it is financially more profitable to purchase a short-term plan. A short term insurance plan does not have any savings and is therefore much cheaper.
The pension plan is NOT suitable for people over 50 with low income (up to 30,000 annually).
These people are better off investing in alternative programs like the TFSA as you will NOT benefit from taxation and will NOT be able to withdraw your money without paying tax to the government.
To be a decent and reliable insurance broker is an important quality, especially in the insurance industry where customer trust is critical. Additionally, the ability to work in a team and have marketing skills are essential aspects of a successful career in this field.
Visitor travel encompasses a wide range of activities and considerations. Whether you are a tourist or a business traveler, there are several important factors to keep in mind.
Research and Planning:
Starting April 20th, we’ll reach out to approximately 100,000 Manulife Bank customers to inform them that they’re pre-approved for a Manulife MONEY+TM Visa Infinite* or Visa* Platinum Card. Customers can apply online using a unique special offer code in their email.
