Written by Shelter Bay
Sleep Apnea and Life Insurance? Until recently (the last 20 years), the term sleep apnea was something you rarely heard. But lately, talk about this condition has increased significantly. In the past, it was mainly associated with snoring and was just considered annoying. But it’s more serious than that – sleep apnea is a potentially.. More
Written by Shelter Bay
Life Insurance & Underwriting for Rock Climbers During the underwriting process for a life insurance policy, insurance companies look at all sorts of factors, including risk factors that could pose a threat to your health — including hobbies like rock climbing. Rock climbing is a sport loved by thousands of Canadians. They enjoy the exhilaration.. More
Written by Shelter Bay
We get to enjoy all sorts of benefits from living in Canada. We have freedoms and options for almost anything, and this is especially true with Canadian life insurance. We’ve compiled a list of the top Canadian life insurance companies for you. But first, let’s talk about the insurance industry and how life insurance works… More
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
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
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
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
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
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
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