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Can you really trust the banks with your Life Insurance?

Written by Shelter Bay

Can you really trust the banks with your Life Insurance? Earlier this year, news broke that TD Bank employees were increasing clients’ credit limits and over draft protections without their knowledge – and more. Why? The employees, who really didn’t want to break the law and engage in these unethical practices, admit to buckling under.. More

Critical Illness Insurance for Married Couples

Written by Shelter Bay

What is critical illness insurance? Critical illness insurance is very different from life insurance. With life insurance, you have to pass away before your beneficiaries receive the benefit. With critical illness, aka CI insurance, you are the beneficiary and you receive the payment if you are diagnosed with an illness that is named in your.. More

Is Life Insurance Really Cheaper for Women?

Written by Shelter Bay

Is life insurance really cheaper for women, and if so, why? Who Pays More for Life Insurance… Men or Women? Men pay more for life insurance. In this day and age of protests and marches, you would be forgiven if you think this is because women marched to pay lower premiums and held rallies to.. More

Final Expense Insurance, A Final Gift To Your Family

Written by Shelter Bay

Final Expense Insurance, A Final Gift To Your Family. The pain and loss a family experiences after a loved one passes is hard enough. Having to worry about funeral costs is just another tough responsibility weighing on the family during this time of mourning. You can inadvertently cause a great deal of stress for those.. More

Life & Health Insurance for Business Owners

Written by Shelter Bay

A Business Owner’s Legacy. The important thing to take into consideration when buying is the needs of the business, current debt load and the shareholder’s estate needs for their dependants. Making sure the financial needs will be taken care of is vital when taking out such important coverage. The primary thing to consider as a.. More

How much is enough life insurance?

Written by Shelter Bay

Do you have enough life insurance? More importantly, how do you know if you have enough? The right amount of life insurance differs for everybody.  In order to figure out how much life insurance is enough for you, consider the following: Risk factors to consider with life insurance The first step to figuring out how.. More

The Best Critical Illness Insurance in Canada

Written by Shelter Bay

Having a critical illness insurance policy in place can be the difference between having time to recover and having to balance work with a serious illness. Here’s how to get the best critical illness insurance in Canada. Critical illness insurance is different from life insurance. With life insurance, your beneficiaries collect the benefit when you.. More

Life Insurance 101

Written by Shelter Bay

Life Insurance 101 Many people put off life insurance because they don’t understand it. Don’t worry; life insurance really isn’t complicated. As evidenced by many accounts online, life insurance is often the one thing that allows a grieving family to work through the months ahead without worrying how to pay the mortgage or where the.. More

Understanding Life Insurance Underwriting

Written by Shelter Bay

Understanding Life Insurance Underwriting What is underwriting? It is an important part of the life insurance application process where the insurer (aka the underwriter) accepts the financial liability of your death and assigns a premium to the risk. Underwriting is used to evaluate the insurance company’s risk of loss. Here is how underwriting works during.. More

Life Insurance for Funeral Costs

Written by Shelter Bay

Life Insurance for Funeral Costs Funerals come at a cost. Burials start around $5,000 for the most basic service, but can easily top $25,000. Items such as flowers, the service, viewing and casket all add up quickly! Cremation with a service and extra disbursements (obituary notice, viewing, funeral flowers, etc.) cost in the region of.. More