Take a few minutes out of your busy day to really listen.  Our own Deborah Wood introduces you to one of her longest standing, and most grateful clients.

When you are approved for a mortgage, your lender is obligated to offer you mortgage insurance.  That may seem convenient and honourable, but… before you say yes to mortgage insurance, you should know what buying creditor mortgage insurance really means.  Here are some key areas to consider:   What’s the difference?  I can save so much money by using the bank – AND I don’t have to give blood! Individual insurance plans require you qualify medically BEFORE you can receive your policy.  This means that the insurance company is fully aware and comfortable with insuring you. If you have creditor insurance and need to claim for an illness or death, the bank will NOW start to investigate your health history… and have the freedom to deny a claim if you incorrectly answered one of their questions. If you file a successful claim, the BANK is the automatic beneficiary of your certificate.  By using Private / ...

Critical illness insurance is a form of financial protection that provides a lump-sum payment in the event of the diagnosis and survival of a serious illness. Here are a few questions we hear on a regular basis: I’m in great health - Why Do I need Critical Illness Coverage? There are several factors to consider when making the decision to purchase Critical Illness insurance: Anyone can become critically ill - and survival is more likely than ever because of advancements in medical science Not all medication and surgical procedures are covered by government health plans There may be gaps in employer-sponsored group coverage Most Canadians are not prepared for the impact a critical illness would have on their finances There may be tax consequences associated with withdrawing funds from retirement savings to fund recovery How many Canadians actually get sick each year? Every year in Canada, ...