Tom Castonguay 
Being a high life insurance risk means that life insurance will cost you more, but it doesn’t mean you won’t qualify for affordable rates. Life insurance companies base their rates on how risky you are to insure (the likeliness that you will die and they will have to pay out the death benefit). It’s not … Read more
There are three main types of permanent insurance – universal life, whole life and term-to-100 life. Below, we’re going to look at each type of permanent life insurance and review the pros and cons. One pro that is the same for each type of life insurance is that the death benefit and investment portion are … Read more
When it comes to term life insurance, the most important thing (beyond the necessity of it) is buying the right policy for your situation and getting that policy at the right price. This is why you should always use a broker to compare term life insurance policies. Term life policies are the same in concept. … Read more
For most Canadian families, term life insurance offers sufficient protection at an affordable rate; and it expires when they no longer need it. However, many people still wonder if they should convert their term policy.In a word, YES. Everyone should have at least a minimum amount of permanent life insurance. Most term policies offer you … Read more
The insurance industry is always changing to keep up with lifestyle changes and technology; they continually perform research and adjust accordingly. BMO Insurance has recently made changes to their rules, and effective immediately, will consider occasional marijuana smokers at non-smoker rates. Research and Infrequent Marijuana Usage As research by insurance company’s increases, the life insurance … Read more
Permanent life insurance is a fascinating financial tool, but it is also puzzling; this is why people have a love/hate relationship with it. Individuals, who love it, totally love it; those who hate it want to get rid of it, and those in the middle can’t figure out what the big deal is. However, it … Read more
Permanent life insurance is complicated for most people, but it doesn’t have to be. Below, we are going to look at permanent life insurance with a brief overview. We’ll break down its components of each concept. Hopefully, when you’re finished reading, you will understand the basics and be empowered to decide if permanent life insurance … Read more
Life insurance companies want to bring their own spin to the types of life insurance they sell to try to differentiate themselves in the market place and this tends to create a lot of confusion for Canadian consumers. Ultimately, the person buying the policy wants their beneficiaries to have money if something happens to them but … Read more
As a business owner, you know that great staff who are passionate about their job will mean success and profits. You may be worried about the cost of attracting and retaining great staff by offering employee benefits as part of their remuneration. The real question is: Can you afford not to offer an employee benefits package? Think … Read more
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