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Accessible Cash Flow---That's Most Important InThese Times.
Community Building
Critical Illness Insurance--The RRSP Protector
Guaranteed Income Needed?--Consider a GIC Alternative
Insurance for Children
Insurance-Who Needs It?
Life Insurance As a Necessity
Lifestyle Altering Gifts
Personalized Product Selection
Strategic Financial Planning


April 2020
December 2019
December 2017
December 2016
June 2016
March 2016
February 2016
November 2015
September 2015
April 2015
January 2015
November 2013
September 2013

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My Blog


I've been asked by another Dad I met my thoughts on insuring your children.  He mentioned his advisor told him not to do so as they earned no income.  True, but is that all the reason there is.
I shared my view that if you could, then you should and the reasons why I thought so which I will share a little later.

I've heard the argument from a family member that it is just wrong to "profit" from your child's death.  I had an issue with child insurance being viewed that way and shared my thoughts.


I have been very vocal of late on Critical Illness Insurance.  The statistics are staggering.  It is said that 1 in 3 Canadians will suffer a critical illness in their lifetime.  Look at the people in your home or place of work.  Which one of you out of every 3 persons could it happen to?
It doesn't just affect the life of the person who's ill; it affects their loved ones as well.

INSURANCE--Who Needs It?

In my time serving the insurance industry, i've heard a variety of reasons why folks don't purchase insurance or enough of it.
First, let me say that i believe in the products, which is why I purchase such products for myself and my family.
I've heard several over the years and my favourite is "I don't believe in life insurance".  I submit that I have not heard of beneficiaries refusing to collect the proceeds to support that claim.  There should be more insurance benefits refused if the statement matches the reality.
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