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Life Insurance and Cocaine, Can I Get Covered?

Written by Shelter Bay

We often get questions from our clients about how cocaine use affects their life insurance. If you’re wondering what happens after a failed life insurance drug test, if life insurance covers drug overdose, or how a past history of drug use can affect your insurance, you won’t want to miss what we’ve got to share.. More

How Much Does $1 Million in Life Insurance Cost?

Written by Shelter Bay

The answer to “What does a million dollar insurance policy cost?” is: “It depends.” Life insurance premiums are based on a number of factors. If anyone tells you they can provide you with a million dollar insurance policy without first gathering some key information about you, be very skeptical! But if you keep reading, you’ll.. More

Converting Your Manulife Life Insurance Policy

Written by Shelter Bay

Why and when should you convert your term life insurance policy? Are you thinking about letting your term life insurance policy lapse? Have you spoken to a financial advisor or a life insurance specialist? There’s hidden value in your policy if you know how to find it. And the decisions you make when choosing your.. More

I Have a Criminal Record! Can I Still get Life Insurance?

Written by Shelter Bay

“I have a criminal record; can I still get life insurance?” This is a question we’re often asked. The solution is not cut and dry, but the simplest answer would be to say “probably.” Why is this topic so complicated? Well, because the answer depends on a few issues such as the insurance company, the.. More

Life Insurance for HIV-Positive in Canada

Written by Shelter Bay

The life insurance industry always tries to keep up with what’s going on in the world. This is why non-medical insurance was introduced and why certain changes in life insurance for people with HIV came to be. Thankfully, in 2016 Manulife Financial began accepting life insurance applications from individuals who had tested positive for the.. More

Whole Life Insurance as an Alternative to an RESP

Written by Shelter Bay

Whole Life Insurance as an Alternative to an RESP Parenthood is the best part of life. Children are amazing, and dynamic! This is why we make them a top priority when it comes to financial planning. We want them to have every opportunity they possible can, and this includes post-secondary education. However, education is expensive,.. More

5 steps to Finding The Best Critical Illness Insurance in Canada

Written by Shelter Bay

Critical illness insurance can be critical. Having a critical illness insurance policy in place can mean the difference between having time to recover or having to balance work with a serious illness. For most Canadians, this coverage provides critical protection when they need it most. That’s why, in today’s post, we’ll share how to get.. More

What is Shareholder Insurance and How Does it Work?

Written by Shelter Bay

Shareholder Insurance: What Is It and How Does it Work? Does shareholder insurance seem like such a confusing topic you don’t even know where to start? You’d have that in common with many other Canadians The ins and outs of shareholder insurance deserve a thorough explanation — which is exactly what we intend to provide.. More

How Much Does Term Life Insurance Cost in Canada?

Written by Shelter Bay

When most Canadians think of life insurance, they ask 2 questions: How much do I need? What will it cost? Chances are you’ve got the same questions. The truth is, there isn’t always an easy answer to either question.  That’s because there are several types of life insurance products available, and every person has unique.. More

$100,000 of Guaranteed Cancer Insurance

Written by Shelter Bay

Cancer statistics Why Cancer Insurance? 1 in 2 Canadians will develop cancer in their lifetime 1 in 4 will die from the disease This being said about 60% of people will live up to 5 years or more with it. Anyone who has been through or seen someone close to them suffer knows it can.. More

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