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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

Term Life Insurance – Instant Quotes

Written by Shelter Bay

Term Life Insurance – Instant Quotes. Instant online quotes for term life insurance are a great way to get started on the insurance protection you need. By filling out an interactive form with your age, gender, province, smoking status, term, and amount of coverage required, you get competitive quotes from several different Canadian underwriters. It.. More

Young, Single and Insurance Free…It’s all Good, Right?

Written by Shelter Bay

Young, Single and Insurance Free…It’s all Good, Right? So, you’re a young man or woman in your 20s. You’re in college, which is a fancy way of saying you’re broke, as you work towards a better financial future. Between groceries, rent, tuition, bus passes and trying against all odds to sock a little bit of.. More

Life Insurance for Homemakers – what your family would pay for your services

Written by Shelter Bay

Life Insurance for Homemakers: learn what your family would pay for your services if you pass away. You only need life insurance to replace income, right? The spouse that stays home to take care of the kids, clean the house and cook the meals doesn’t need to be covered because he or she doesn’t draw.. More

Critical Illness Insurance for Business Owners and Key Persons

Written by Shelter Bay

Critical Illness Insurance for Business Owners and Key Persons. You may think the main risk to your small business, partnership or corporation is the unexpected death of the founder or key person, but there’s another risk you may not have considered. While the death of a shareholder or key person is tragic and presents a.. More

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