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Critical Illness Insurance in Kamloops

Written by Shelter Bay

Critical Illness Insurance in Kamloops Ah, beautiful Kamloops, BC! The Thompson River and natural geographical landscape, coupled with the beautiful summer weather and access to outdoor lifestyle activities, keeps the population fit and the tourists flocking. When you live in Kamloops, with the sun, water, sports, shops and nightlife at your door, what more could.. More

How Much Does Critical Illness Insurance Cost in Canada?

Written by Shelter Bay

How Much Does Critical Illness Insurance Cost in Canada? You’ve probably have heard the term “critical illness insurance” lately. It’s a trending topic, and for a very good reason. The good news is Canadians are living longer than ever before and we continue to find ways to cure or extend the life of people with.. More

Simplified Issue Critical Illness

Written by Shelter Bay

Simplified Issue Critical Illness Simplified Issue Critical illness insurance provides a lump sum cash payment to individuals that develop a disease named in their policy. It’s called a living benefit because you do not need to pass away to make a claim. In most cases, the insured is also the beneficiary (unless your company if.. More

Insurance Planning With New Canadian Tax Laws

Written by Shelter Bay

Insurance Planning And The New Canadian Tax Laws When the announcement came that changes to the Tax Act would shake up income sprinkling and passive income in a way that was disadvantageous to business owners, the reactions were swift, emotionally charged, and very divided. Those that were building a business to generate wealth for their.. More

The Small Business Owners’ Biggest Mistake – And How To Avoid It

Written by Shelter Bay

The Small Business Owners’ Biggest Mistake – And How To Avoid It The Government of Canada’s latest data, Key Small Business Statistics, shows that small businesses are the heart and soul of the nation’s business landscape. Last year, out of the 1.17 million employers in the country, 1.14 million were small businesses (1-99 employees).  Less.. More

What is Critical Illness Insurance?

Written by Shelter Bay

What is Critical Illness Insurance? We are all familiar with life insurance, where the beneficiary receives a sum of money when the life insured passes away, but not as many people are familiar with how critical illness insurance works. Critical Illness Insurance 101 Critical illness insurance (CI) is a lump sum cash benefit that is.. More

What is Final Expenses Insurance?

Written by Shelter Bay

What is Final Expenses Insurance? Final expense insurance is a lump sum insurance benefit to help fund the final expenses of a funeral, legacy gifting and settliing the estate of a deceased person. The insurance industry has changed dramatically over the years and consumers can now use the services of a professional broker to buy.. More

Non Medical Life Insurance for Smokers

Written by Shelter Bay

Non Medical Life Insurance for Smokers. Statistics Canada’s latest data on smokers shows an encouraging trend. Since 2010, the amount of smokers in Canada dropped from 20.8 per cent to 18.1 per cent. This downward trend is great news because smoking adversely affects every part of the body. Why is Smoking So Risky? Tobacco contains.. More

How Much Does $1 Million in Life Insurance Cost?

Written by Shelter Bay

How Much Does $1 Million in Life Insurance Cost? The answer to “how much does $1 million in life insurance cost” is “it depends.” Life insurance premiums are based on a number of factors, so if anyone tells you they can provide you with $1 million in life insurance without first gathering some key information.. More

Critical Illness Insurance in Abbotsford

Written by Shelter Bay

Critical Illness Insurance in Abbotsford. Located in British Columbia’s beautiful Fraser Valley, and the biggest municipality in the Fraser Valley Regional District, the 141,000+ residents of Abbotsford never lack for things to do, see and experience. From the airshow to the berry festival and Agrifair, life in the valley is good. However, living in a.. More