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Life Insurance 101

Written by Tom Castonguay

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 Tom Castonguay

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 evaluate the insurance company’s risk of loss. Here is how underwriting works during the.. More

Life Insurance for Funeral Costs

Written by Tom Castonguay

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.. More

What is Shareholder Insurance and how does it Work?

Written by Tom Castonguay

What is Shareholder Insurance and how does it Work? A business plan isn’t complete without a shareholder agreement containing buy/sell provisions, allowing for the orderly transfer of ownership interests upon disagreement, death, critical illness, or disability. However, having to suddenly buy a partner’s shares can be very expensive. Most business advisors agree that insurance is.. More

Employee Benefit Plans in Dawson Creek

Written by Tom Castonguay

Employee Benefit Plans in Dawson Creek The main industries in Dawson Creek, BC are agriculture, forestry, mining, tourism, oil and gas. With a population of around 11,000, employers are competing for the best of the best when it comes to finding great employees. Companies have decisions to make – do they want to offer a.. More

Must have Life and Health Insurance for Every Family

Written by Tom Castonguay

Must have Life and Health Insurance for Every Family When it comes to buying life and health insurance, there are many options, so it’s hard to know what’s necessary and what’s redundant. You need coverage, but you don’t want to be overly covered or insurance poor. If you pay too much for insurance it will.. More

How to get Dental Insurance in Abbotsford

Written by Tom Castonguay

How to get Dental Insurance in Abbotsford In British Columbia, the provincial Medical Services Plan (MSP) provides the following coverage for dental work: “Dental and oral surgery, when medically required to be performed in hospital (excluding restorative services, i.e.: fillings, caps, crowns, root canals, etc.) Orthodontic services related to severe congenital facial abnormalities. The removal.. More

What is a Life Annuity?

Written by Tom Castonguay

What is a Life Annuity? If you don’t know what a life annuity is, you’re not alone. In this article, we’ll look at what an annuity is, how it can be used in your portfolio and who should be using annuities. An annuity is an income for life. You trade an insurance company a lump.. More

No Medical Life Insurance in Armstrong, BC

Written by Tom Castonguay

No Medical Life Insurance in Armstrong, BC British Columbia is known for its beauty and senior population – it’s the number one province to retire in.  Towns such as Armstrong in the heart of the Okanagan can be the perfect place to retire. Life is better in the Okanagan, but sometimes it can be difficult.. More

An RCMP Spouse? Be a Life Insurance Broker

Written by Tom Castonguay

An RCMP Spouse? Be a Life Insurance Broker When you’re married to an RCMP officer it’s hard to hold down a job, let alone build a career. If you’re an RCMP spouse, you could build a nice career selling all types of life insurance. Why should you get involved in the life insurance business? It’s.. More

Life Insurance for Smokers – How to get the Best Rates

Written by Tom Castonguay

Life Insurance for Smokers – How to get the Best Rates When you apply for life insurance coverage, many factors affect approval and how much you’ll pay for premiums. As you’re probably aware, smokers pay higher rates than non-smokers. However, you can get life insurance for smokers at affordable rates. Since all life insurers are.. More

Maternity Leave Ending… Work from home as a Life Insurance Broker

Written by Tom Castonguay

  Maternity Leave Ending… Work from home as a Life Insurance Broker The decision to return to work after your maternity leave ends is agonizing for most women. You feel guilty if you do return, and guilty if you don’t! There may be a way for you to stay at home but still earn an.. More

Creating Your Financial Masterpiece

Written by Tom Castonguay

Creating Your Financial Masterpiece It’s not uncommon for the value of something not to be obvious at its creation. Think of  paintings such as the Mona Lisa. After it was painted, it wasn’t recognized as the invaluable masterpiece it’s known as today. This is very similar to sound financial planning. Creating your financial masterpiece may.. More

Whole Life Insurance for Seniors and Retirees

Written by Tom Castonguay

Whole Life Insurance for Seniors and Retirees You’re a retired senior. Your kids don’t rely on you anymore because they’re self-sufficient and your mortgage is paid. So you don’t have to carry on with life insurance, right? Maybe not, but in some cases, you might want to. You’re correct for the most part according to.. More

Why Dairy Farmers in Abbotsford and Chilliwack Buy Life Insurance

Written by Tom Castonguay

Why Dairy Farmers in Abbotsford and Chilliwack buy Life Insurance Dairy farming is an important industry because it provides healthy food products that every family needs. Running a dairy farm is hard work and requires business savvy, and like any other agriculture-based occupation, it comes with risks. This is why dairy farmers in Abbotsford and.. More

How the Life Insurance Industry is Evolving

Written by Tom Castonguay

How the Life Insurance Industry is Evolving The life insurance profession has many reasons to be excited about the future.  A larger and longer living population is increasing demand for quality retirement and life insurance advice . The times are a’ changing rapidly in this industry. Once a tired and conservative group, the life insurance.. More

Attract & Retain Great Employees In Abbotsford With a Quality Benefits Plan

Written by Tom Castonguay

Attract & Retain Great Employees In Abbotsford With a Quality Benefits Plan Are you an employer in Abbotsford having trouble keeping top-notch employees? If so, your first thought toward a solution was probably to offer higher pay based on the belief that money talks. Even though employees care about being paid well, they also want.. More

Life Insurance and Breast Cancer

Written by Tom Castonguay

Life Insurance and Breast Cancer You may think that because you’ve had breast cancer, you won’t be able to get affordable life insurance, but you’ll be happy to know this isn’t always the case. Many breast cancer survivors qualify for coverage and probably a lot sooner than you’d think. Due to advances in treatment of.. More

Converting your Canada Life Term Policy

Written by Tom Castonguay

Converting your Canada Life Term Policy The Canada Life insurance company has been protecting families since 1847, as the first domestic life insurance company to be founded in Canada. They have numerous types of life insurance products with a large component being convertible term life insurance. If you have a Canada Life term policy, you.. More

The Business Continuity Insurance Every Company Needs

Written by Tom Castonguay

The Business Continuity Insurance Every Company Needs Business continuity planning is the process of preparing for future events that can cause an unexpected business interruption. For example, let’s say your startup took off and your company was successful from the get go. Now it’s two years later and you’ve expanded across the country, and just.. More

Laddering Your Life Insurance in Vancouver

Written by Tom Castonguay

Laddering Your Life Insurance in Vancouver Although it’s beautiful, Vancouver is an expensive city to live in, so its really important to spend your insurance dollars wisely. One popular option, you would never get from a mortgage lender, is a term ladder or the option of layering your life insurance protection. Below we’ll look at.. More

Three Signs You are a High Life Insurance Risk

Written by Tom Castonguay

Three Signs You are a High Life Insurance Risk 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.. More

SSQ says Marijuana Users Now Considered Non Smokers

Written by Tom Castonguay

SSQ says Marijuana Users Now Considered Non Smokers Top insurance companies are changing how they look at recreational marijuana users; and on July 7, 2016, SSQ altered their underwriting process to stop treating all pot users the same. SSQ – Now Considers Certain Marijuana Users as Non Smokers Like their competitors, for years SSQ automatically.. More

No Medical Life Insurance in Nelson BC

Written by Tom Castonguay

  No Medical Life Insurance in Nelson, BC – It’s easier than you think. Do you live in Nelson, BC and need affordable life insurance but not sure if you will qualify because of a medical condition or poor health? Or perhaps you simply hate going to the doctor or having lab tests. If so,.. More

Online Pharmacy Tool Helping Save on Prescription Medication

Written by Tom Castonguay

  Online Pharmacy Tool Helping Save on Prescription Medication Pacific Blue Cross, a leading health benefits company, has recently developed a free online tool to educate consumers and help them perform a cost comparison search of prescription drugs quickly. Consumers can now easily see which pharmacy charges the least for their prescription. The high cost.. More