Most young people don’t have a life insurance policy. Those that do, get some cheap term insurance for some high value and let it ride until they are older and at the urging of a spouse or loved one, they revamp it and change the policy around. If they were properly counseled, they would invest [...]

While reviewing a group of quotes before presenting them to my client, I ran across a scenario that i wished to discuss. Right off the bat I should say that a defined benefits plan is not a cheap thing to buy but it is a very important purchase for any company from emerging to mature. [...]

So you haven’t seen you broker in a while. Tired of speaking to a new person every time you call the office? Has your broker retired and sold his business to some person you don’t know? You are not alone. There is allot of change going on in the insurance industry. Business insurance rates are [...]

The Ontario Assistive Devices Program is a program that you should know about. This program can provide up to 75% of the cost of an assistive device needed for long term disabilities. In order to be eligible, you have to have a valid Ontario Health Benefits card (in your name) and have been disabled for [...]

Facebook has made a savvy computer guy extremely rich and is extremely useful as a social networking tool. There was an article in the Toronto Star, written by Chris Sorensen dated Monday Dec 10th, 2007 that titled “Face it, we love our Facebook” that tells us about 8 Million Canadians have a Facebook account – [...]

Business insurance policies can vary from the simple to the complex but they all follow a certain format and pattern progressively become more complex as the risk increases. One clause that is present in all business insurance policies and rarely explained properly is the Co-Insurance Clause.

As a self-employed individual, you face the choice of saving up money for the occasional dental visit and/or prescriptions, but did you know that those benefits are actually costing more money that you think?

Fact: According to Stats Canada – 32% of all male deaths in Canada (2002) and 34% of all female deaths in Canada (2002) were due to cardiovascular disease. http://ww2.heartandstroke.ca Fact: An estimated 159,000 new cases of cancer and 72700 deaths from Cancer will occur in 2007. http://www.cancer.ca Okay so people are going to get sick [...]

The holiday season is fast approaching and with it comes bad weather, higher traffic volumes, packed shopping malls and moments of lapsing of concentration. When times get busy, it is easy to forget things, but with a little care and preventative actions, you can enjoy the holiday season with all its joys and headaches!