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How much is enough life insurance?

Written by Shelter Bay

Do you have enough life insurance? More importantly, how do you know if you have enough? The right amount of life insurance differs for everybody.  In order to figure out how much life insurance is enough for you, consider the following: Risk factors to consider with life insurance The first step to figuring out how.. More

The Best Critical Illness Insurance in Canada

Written by Shelter Bay

Having a critical illness insurance policy in place can be the difference between having time to recover and having to balance work with a serious illness. Here’s how to get the best critical illness insurance in Canada. Critical illness insurance, is a living benefit. You receive the lump sum cash benefit if you are diagnosed.. More

Life Insurance 101

Written by Shelter Bay

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 Shelter Bay

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

Life Insurance for Funeral Costs

Written by Shelter Bay

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 of.. More

What is Shareholder Insurance and How Does it Work?

Written by Shelter Bay

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 Shelter Bay

Employee Benefit Plans in Dawson Creek The main industries in Dawson Creek, B.C. 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 Shelter Bay

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 Shelter Bay

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 Shelter Bay

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