This comprehensive guide provides Canadians with extensive details on whole life insurance which will help you make an informed...
Archive for category: Advisor Voice
Why Do I Need Health Insurance in Canada?
Zahid Khandwani, , Advisor Voice, Supplementary Health Insurance, health insurance in canadaThe following are the reasons to explain the question: Why Do I Need Health Insurance in Canada ? The...
How to Save Money When Buying Life Insurance in Canada So you have decided that it might be time...
Do You Qualify For Permanent Life Insurance?
Nadine Halverson, , Advisor Voice, Life Insurance Advice, Universal Life Insurance, Whole Life InsuranceJust because you can afford to purchase something, perhaps it is not in your best interest to own it....
Canada Term Life Insurance Comparison
Torrie Fonda, , Advisor Voice, Buying Insurance Online, Life Insurance Advice, Term Life InsuranceCheap Term Life Insurance Quote Comparison Many Canadians feel they need some form of coverage however they may not...
Life Insurance Medical Exam in Canada
Dave Dhiman, , Advisor Voice, Life Insurance Underwriting, how long are life insurance exam results, how much does life insurance medical exam cost, insurance medical exam, life insurance blood testing, life insurance medical exam, life insurance medical exam canada, life insurance medical exam cost, life insurance medical test canada, medical exam, what if declined for life insurance, what is a life insurance medical exam canada, what is tested in life insurance medical exam, why do insurance companies require medical examLife insurance medical exams involve a health questionnaire, physical metrics, and lab samples. Learn how insurers use exams to...
Where to Get an Affordable Term Life Insurance Quote?
Arthur Basco, , Advisor Voice, Term Life Insurance, Affordable Term Life Insurance QuoteThe last question you have to ask yourself when looking for an affordable term life insurance quote is how...
What is Mortgage Protection Insurance?
Russ Smart, , Advisor Voice, Mortgage Protection Insurance, Mortgage Protection InsuranceMortgage Life insurance is life insurance purchased to ensure that your mortgage is paid in full if you or...
3 Tips to Get the Best Ontario Life Insurance
Nadine Halverson, , Advisor Voice, Money Saving Advice, Term Life Insurance, Universal Life Insurance, Whole Life Insurance, best ontario life insurance, best ontario life insurance tips, ontario life insuranceThe best Ontario Life insurance is having enough life insurance to pay off the mortgage and provide for lost...
How To Buy Life Insurance In Canada With Easy Steps
Aaron Mak, , Advisor Voice, Life Insurance Advice, Life Insurance Explained, Mortgage Protection Insurance, Term Life Insurance, Universal Life Insurance, Whole Life Insurance, Compare Quotes From Different Insurance Providers, Determine Your Coverage Needs, How To Buy Life Insurance, How To Buy Life Insurance in Canada, Submit Your Application and Undergo Medical Evaluation if Required, Work With a Licensed Life Insurance AgentExpert guide on how to buy life insurance - calculate coverage needs, compare types like term and permanent, work...
A Family’s Life Insurance Claim Is Denied What a sad situation for the children. A family man in his...
Life Insurance Tips for Canadians The primary purpose of life insurance in Canada is to move the financial risk...
Back-dating: A Simple Tip That’ll Save You Thousands
Marilyn Brodie, , Advisor Voice, Money Saving AdviceAnswer the following: How old are you? Are you sure? It may come as a surprise, but most life...
8 Reasons Your Life Insurance Claim Will Get Denied
Zahid Khandwani, , Advisor Voice, Life Insurance UnderwritingLife Insurance provides peace of mind. In the unfortunate event of your death, your family will be taken care...
Permanent, Universal & Whole Life Insurance Explained
Russ Smart, , Advisor Voice, Term Life Insurance, Universal Life Insurance, Whole Life InsuranceCanadian Life Insurance comes in two types – temporary and permanent. Most people have some type of temporary life...
5 Tips to Get a Life Insurance Policy at the Lowest Premium
Mark Johnston, , Advisor Voice, Money Saving AdviceOne could write a book on life insurance and its purpose and what kind of policy to purchase, but...
Bank Insurance: Why You Should Read the Fine Print
Russ Smart, , Advisor Voice, Mortgage Protection Insurance, Term Life InsuranceThere are many good reasons to have an individual life insurance policy to cover your mortgage rather than a...
What’s the Difference between an Agent, Broker & Company?
Russ Smart, , Advisor Voice, Life Insurance ExplainedType of Insurance Distributor How They Make Their Money Life Insurance Companies Policy premiums and net investment income. Life...
Term Life vs Whole Life Insurance Rates in Canada
Russ Smart, , Advisor Voice, Term Life Insurance, Universal Life Insurance, Whole Life InsuranceDepending on the Canadian life insurance companies and the type of product or policy you are interested in, the...
The Benefits Of Critical Illness Insurance For Canadians (2024)
Dave Dhiman, , Advisor Voice, Critical Illness Insurance, Additional Advantages of Critical Illness Insurance, Benefits Of Critical Illness Insurance, Critical Illness Insurance Costs in Canada, Get Covered with Critical Illness Insurance, Key Benefits of Critical Illness Insurance in Canada, List of Critical Illnesses Covered, The Benefits Of Critical Illness Insurance For Canadians, Tips for Finding the Best Critical Illness Insurance Policy, Where to Buy Critical Illness Insurance in Canada, Who Needs Critical Illness Insurance?, Why Critical Illness Coverage is Crucial for CanadiansLearn the immense benefits of critical illness insurance in Canada - financial support, flexibility, and peace of mind when...
Manage Your Cashflow and Keep Your Life Insurance
Ron Bryson, , Advisor Voice, Money Saving Advice, Mortgage Protection InsuranceLife insurance is frequently one of the first expenses to go or be reduced due to the pressures of...
Whole Life Insurance vs. Universal Life Insurance
Nadine Halverson, , Advisor Voice, Universal Life Insurance, Whole Life InsuranceWhat Do You Need To Know about Permanent Life Insurance I once wrote an article about the use of Universal...
How Much Life Insurance Do I Need?
Monika Kriedemann, , Advisor Voice, Life Insurance Explained, Term Life Insurance, Universal Life Insurance, Whole Life InsuranceLife insurance provides your loved ones with cash if something happens to you It is a truly selfless gift...
Buying Life Insurance Online is Becoming Very Popular as a fast and easy way to protect their loved ones....
Whole Life insurance is a permanent type of life insurance policy where payments are made for a number of...
What is the Best Life Insurance for Seniors?
Richard Parkinson, , Advisor Voice, Life Insurance for Seniors, Money Saving AdviceAre you a senior wondering about what is the best life insurance? Perhaps, like many people, you owned term...
4 Reasons NOT to Complete Online Insurance Applications
Russ Smart, , Advisor Voice, Buying Insurance Online, Complete Online Insurance Applications, life insurance applications, Online Insurance Applications, Trusted Life Insurance Expert in CanadaAvoid the pitfalls of online applications - work with an experienced independent agent to buy life insurance.
8 Instances Where Insurance Is NOT Worth the Investment
Markus Deutsch, , Advisor Voice, Life Insurance AdviceDespite being an essential factor in many people’s lives, life insurance is not for everyone. Here are eight well-defined...
How To Find The Best Life Insurance Rates?
Dave Dhiman, , Advisor Voice, Money Saving Advice, Best Life Insurance Rates, Compare Quotes From Multiple Providers, Focus on Health and Lifestyle, How To Find The Best Life Insurance Rates, Leverage Your Age to Your Advantage, Review and Update Your Policy Regularly, Stick to Your Budget While Maximizing Value, The Best Life Insurance Rates in canada, Understand What Impacts Your Rates, Why Life Insurance Matters, Work With an Experienced Broker or Agent, Work With an Experienced Broker or Agent To Find out the Best Life Insurance RatesCompare quotes from top providers, know which factors affect pricing, and follow tips to find the best life insurance...
Should You Purchase Insurance through a Bank or a Broker?
Nadine Halverson, , Advisor Voice, Mortgage Protection InsuranceDon’t Buy Mortgage Insurance From Your Bank or Lender! Despite the perceived convenience, this can be a potentially disastrous...
Life Insurance for Newbies – What is it?
Aaron Mak, , Advisor Voice, Life Insurance Explained, Term Life Insurance, Universal Life Insurance, Whole Life InsuranceWhat is Life Insurance in Canada? Life insurance is simply a contract between a life insurance company and you...
Affordable Life Insurance For People With Diabetes In Canada
Torrie Fonda, , Advisor Voice, Life Insurance for DiabeticsDespite being high-risk, life insurance for people with diabetes is affordable through no medical or fully underwritten policies if...
3 Reasons to Invest in Life Insurance While You’re Young
Ron Bryson, , Advisor Voice, Critical Illness InsuranceCommon Perspective: “I’m young and healthy – so why should I sweat over not having any life insurance. After...
Insurance Calculator Can Save Money on Life Insurance
Marilyn Brodie, , Advisor Voice, Money Saving AdviceHow Life Insurance Calculator Can Help You Find Out Coverage Needs Use our life insurance calculator to see the...
Affordable Ways for Diabetics with Expensive Term Insurance
Deborah Linton, , Advisor Voice, Life Insurance for DiabeticsThe Situation: Your term insurance policy is renewing at 400% to 600% your current premiums and you now have...
Bank Insurance Premiums Compared to Life Insurance
Mark Johnston, , Advisor Voice, Mortgage Protection Insurance, Term Life InsuranceMortgage Insurance is offered through a number of insurance companies, banks and other financial institutions. The purpose of this...
Live in a Long-Term Care Facility of Your Choice
Deborah Linton, , Advisor Voice, Long-term Care InsuranceAn article in the July 5th edition of the Vancouver Province made me revisit the issue. It discussed a...
What is an Inforce Illustration? A Detailed Guide for Canadian Policyholders
Zahid Khandwani, , Advisor Voice, Life Insurance Advice, Introduction to Inforce Illustrations for Life Insurance Policies, Requesting an inforce illustration, Reviewing and Understanding Inforce Life Insurance Illustrations, What is an Inforce Illustration, What To Do Based on Your Inforce Illustration Results, Why Get an Inforce IllustrationWhat is an inforce illustration of life insurance? How to request one, understand projections & use it to ensure...
How a Non-Smoker Got Rated as Smoker for Insurance
Torrie Fonda, , Advisor Voice, Life Insurance UnderwritingDave just got offered a smoker’s rate for his life insurance policy for the second time in four months...
How to Avoid Your Application Rated or Declined
Ron Bryson, , Advisor Voice, Life Insurance UnderwritingIt is common for us to meet prospective clients who were previously rated or declined on an earlier insurance...
Life, Disability & Critical Illness Insurance Basics
Marilyn Brodie, , Advisor Voice, Critical Illness Insurance, Disability Income Insurance, Life Insurance Advice, Term Life InsuranceRisk Analysis and Cost-Effective Solutions (Term Life Insurance, Permanent Life Insurance, Disability Insurance & Critical Illness Insurance) The purpose...
Tips for Senior Life Insurance on a Limited Budget
Monika Kriedemann, , Advisor Voice, Mortgage Protection Insurance, Term Life InsuranceA 64-year-old client recently came to us in frustration. He had just applied for a life insurance policy through...
Are you in a rush to get some quick life insurance? If you are healthy and can answer “no”...
Given the choice between paying life insurance premiums monthly or annually, which would you choose? Although the answer doesn’t...
Types of Life Insurance Policy in Canada?
Monika Kriedemann, , Advisor Voice, Life Insurance Explained, Term Life Insurance, Universal Life Insurance, Whole Life InsuranceAlthough 85% percent of North American’s agree that most people need life insurance, only 62% percent actually buy it....
How to Compare Life Insurance Quotes in Canada?
Mark Johnston, , Advisor Voice, Buying Insurance Online, Compare Life Insurance Quotes, Compare Life Insurance Quotes in Canada, How to Compare Life Insurance Quotes in Canada?, Life Insurance Quotes, Strategies for Comparing Life Insurance Quotes, where To Get Life Insurance QuotesAn in-depth guide covers the key steps for comparing life insurance quotes in Canada, best tips, best place to...
What NOT To Do When Researching Life Insurance Policies
Aaron Mak, , Advisor Voice, Life Insurance AdviceDo not just focus on getting the best price when researching life insurance policies. The purpose of a life...
Is Life Insurance for Your Parents Important?
Nadine Halverson, , Advisor Voice, Life Insurance Advice, Life Insurance for Seniors, Term Life Insurance, Whole Life InsuranceLife insurance for parents is something that we find many children investigating. Unfortunately, about half start investigating it when...
Great Money Saving Tips On Life Insurance for Canadians
Russ Smart, , Advisor Voice, Money Saving Advice, Affordable Life Insurance Options for Canadians, Common Life Insurance Buying Mistakes That Lead to Overspending, Factors That Influence Life Insurance Rates, Great Money Saving Tips On Life Insurance for Canadians, Health and Lifestyle Factors That Influence Life Insurance Rates, How To Save Money On Life Insurance AFTER You Buy, Money Saving Tips On Life Insurance BEFORE You Buy, Money Saving Tips On Life Insurance for Canadians, Strategies to Save During the Life Insurance Application Process, Why Life Insurance is Essential for CanadiansLife insurance provides crucial financial protection for Canadian families. However, premiums can be expensive and put pressure on monthly...
When you visit your doctor, do they ask open-ended general questions about how you are doing? “How’s life?” they...
Should You Buy Life Insurance For Your Parents?
Marilyn Brodie, , Advisor Voice, Life Insurance Advice, Life Insurance for SeniorsConsidering life insurance for your parents? Learn whether buying policies makes sense to cover final costs, replace income, and...
Diabetics with Term Insurance at a Big Increase
Torrie Fonda, , Advisor Voice, Life Insurance for DiabeticsHow to Avoid Paying Hugh Premiums on Life Insurance? With the increasing number of Canadians being diagnosed with type...
Cost Of Permanent Insurance Is Increasing By Up To 20%
Darren Koch, , Advisor Voice, Whole Life InsuranceYou need to act quickly the cost of permanent insurance is increasing by up to 20%! One of the...
How Much Life Insurance Do You Need in Canada?
Arthur Basco, , Advisor Voice, Life Insurance Advice, Mortgage Protection Insurance, Term Life Insurance, Universal Life Insurance, Whole Life Insurance, Assets, Choosing Between Term vs. Permanent Life Insurance, Determining the ideal amount of life insurance, how much life insurance do i need canada, How Much Life Insurance Do You Need, How Much Life Insurance Do You Need in Canada, How Much Life Insurance Do You Really Need, ideal amount of life insurance, Income Replacement Needs, Major Future Costs to Fund, Savings, What is Life InsuranceHow Much Life Insurance Do You Need? Learn how to calculate the ideal life insurance amount to protect your...
Life Insurance For Canadian Seniors Simplified
Russ Smart, , Advisor Voice, Life Insurance Advice, Life Insurance for Seniors8 Basic Question for Canadians over 60 Life insurance is a common curiosity for Canadian seniors in their sixties...
Why You Should Arrange Your Own Mortgage Insurance
Nadine Halverson, , Advisor Voice, Mortgage Protection InsuranceBanks, lawyers are unqualified & Personal needs should be assessed A recent decision by the Ontario Superior Court emphasizes the...
Life Insurance Beneficiary vs Will : A Comprehensive Guide for Canadians
Russ Smart, , Advisor Voice, Life Insurance Advice, Benefits of Having a Will, Benefits of Life Insurance Beneficiaries, Do You Need Both a Will and Beneficiaries, How Life Insurance Beneficiaries Work, Key Differences Between Life Insurance Beneficiary vs Will, life insurance beneficiary, Life Insurance Beneficiary vs Will, Tax Implications of Life Insurance Beneficiaries, Tax Implications of Life Insurance Beneficiary vs Will in Canada, Tips for Aligning Your Will and Beneficiaries, Using Trusts for Estate Planning in CanadaGet clarity on life insurance beneficiary vs Will in Canada. Understand how they work together for comprehensive estate planning.
How 10-Year Term Insurance Can Devastate Your Family
Monika Kriedemann, , Advisor Voice, Term Life InsuranceThe purpose of life insurance is to protect your family. A ten-year term life insurance policy will do that...
Should You Buy BCAA Life Insurance?
Aaron Mak, , Advisor Voice, Buying Insurance Online, Term Life InsuranceToday I received a life insurance application from BCAA in the mail. My curiosity got the better of me...
The biggest mistake is not having any life insurance in the first place. Putting that aside, here are the...
3 Reasons To Be Proactive With Your Life Insurance Needs
Darren Koch, , Advisor Voice, Life Insurance AdviceMany people are familiar with the reasons why to buy life insurance, but fewer know that when to buy...
Life Insurance for Diabetics Can Still Be Affordable
Nadine Halverson, , Advisor Voice, Life Insurance for DiabeticsPeople with diabetes require life insurance to protect their family financial stability (mortgages, income replacement, loans, final expenses etc)...
3 Reasons to Replace Your Term Policy Before It Expires
Dave Dhiman, , Advisor Voice, Life Insurance Advice, Money Saving Advice, Term Life InsuranceAnother Canadian insurance company just announced a decrease in their term life insurance rates as competition in the term...
Internet-based Research: The Biggest Trend in Life Insurance
Deborah Linton, , Advisor Voice, Buying Insurance OnlineCanada Life recently announced that they now sell “non-face-to-face” life insurance. This means that life insurance policies can be...
Provided are six wealth conservation strategies, each tailored to a unique set of life circumstances. Plan your financial future...
Why Insurance Claims are Denied & Steps to Avoid It
Aaron Mak, , Advisor Voice, Life Insurance ExplainedIn a recent article Manulife Financial reviewed their claims between 2007 and 2010 and determined that for every 1000...
Is Pre-need Funeral Planning Worth The Investment?
Nadine Halverson, , Advisor Voice, Life Insurance Advice, Life Insurance for SeniorsAs a life insurance broker, I was recently interested in the prospect of providing pre-need funeral planning as an...
Life Insurance is becoming a commodity. Unfortunately, it is now issued by some companies while paying little attention to...
Can You Get Life Insurance If You Have Diabetes?
Markus Deutsch, , Advisor Voice, Life Insurance for DiabeticsAffordable Life Insurance for People with Diabetes An estimated 2.3 million Canadians have diabetes and many more do not...
Folks with Diabetes Can Qualify for Cheap Life Insurance
Zahid Khandwani, , Advisor Voice, Life Insurance for DiabeticsI have attended a number of diabetes association meetings to discuss life insurance options. I notice that many people...
The Implications of E-cigarettes on Life Insurance
Dave Dhiman, , Advisor Voice, Life Insurance UnderwritingE-cigarettes use a liquid-filled cartridge that is vaporized into a mist or vapour that is breathed into the lungs....
How Marijuana Use Affect Your Chances of Getting Insurance?
Aaron Mak, , Advisor Voice, Life Insurance UnderwritingThe numbers are in, and it appears that Canadians like to smoke marijuana. Surveys suggest that between 9% and...
Why CIBC Denied a Disability Claim & Steps to Avoid It
Torrie Fonda, , Advisor Voice, Disability Income Insurance, Mortgage Protection Insurance, Term Life InsuranceDonald had that experience when he was asked a series of questions for his mortgage insurance application. He did...
The 3% Premium to Income for Life Insurance
Zahid Khandwani, , Advisor Voice, Life Insurance Advice, Mortgage Protection Insurance, Term Life Insurance, Universal Life Insurance, Whole Life InsuranceLife Insurance Process Doesn’t Have to be Difficult Follow the steps below and discover if you can insure your...
Deciding Which Life Insurance Policy Is Right For You
Russ Smart, , Advisor Voice, Life Insurance Explained, Term Life Insurance, Universal Life Insurance, Whole Life InsuranceIf you are not familiar with the different types of life insurance policies, you’ve come to the right place....
How Lifestyle Affects Life Insurance Premiums in Canada
Mark Johnston, , Advisor Voice, Money Saving AdviceYour lifestyle affects life insurance premiums in Canada. Healthy habits like fitness and nutrition mean reduced rates, while risky...
3 Steps to Financially Protect Your Family from Diabetes
Russ Smart, , Advisor Voice, Life Insurance for DiabeticsOn Nov 25th 2013, Global News reported that over 9 million Canadians either have diabetes or are pre diabetes....
The Essential Benefits Of Life Insurance for Canadians
Marilyn Brodie, , Advisor Voice, Life Insurance AdviceDiscover the essential benefits of life insurance for Canadians, including income replacement, debt repayment, and family protection
Critical Illness vs Disability Insurance
Arthur Basco, , Advisor Voice, Critical Illness Insurance, Disability Income Insurance, Money Saving Advice, Critical Illness Insurance Policy Options in Canada, Critical Illness vs Disability Insurance, Disability Insurance Options in Canada, How Disability Insurance Can Save You Money, How Much Disability and Critical Illness Insurance Do You Need?, Should You Buy Critical Illness or Disability Insurance First?, What is Critical Illness Insurance, What is Disability Insurance, When You May Need Both Critical Illness and Disability InsuranceKey facts on critical illness vs disability insurance in Canada - how each protects you, main differences, when you...
Mortgage Insurance Coverage Ideas for Canadians
Aaron Mak, , Advisor Voice, Mortgage Protection InsuranceUse Cheap Term Life Insurance to Cover Your Mortgage When you purchase a home and arrange for a mortgage...
Where NOT to Get a Life Insurance Quote Online
Mark Johnston, , Advisor Voice, Buying Insurance OnlineThere are thousands of brokers with internet sites and all are not created equal. Very few actually work with...
Is 10 Year Term Life Insurance Right For You?
Ben Nguyen, , Advisor Voice, Term Life Insurance, 10 Year Term Life Insurance, 10 Year Term Life Insurance in canada, Comparing 10 Year Term Life Insurance Policy From Top Insurers, Cons of 10 Year Term Life Insurance, How Does 10 Year Term Life Insurance Work In Canada, How Much Does 10 Year Term Life Insurance Cost?, Is 10 Year Term Life Insurance Right For You?, Is 10 Year Term Life Insurance Worth It?, Pros of 10 Year Term Life Insurance, The Pros and Cons of 10 Year Term Life Insurance, What Is 10 Year Term Life InsuranceProvides affordable life insurance protection for 10 years. Ideal for short-term needs. Is 10 year term life insurance right...