The Smart Way to Weather Life’s Storms
October 10, 2025
We all know the saying: nothing in life is certain except death and taxes. But there’s another truth we tend to forget—life is full of surprises, and not all of
We all know the saying: nothing in life is certain except death and taxes. But there’s another truth we tend to forget—life is full of surprises, and not all of
When it comes to life insurance, the name is a little misleading—it’s not really for your benefit. It’s there to protect the people you care about most if something happens
Here’s a question that most people don’t think about: What’s your most valuable asset? Your house? Your investments? Maybe your car? Actually, it’s none of those. Your most valuable asset
Nobody wants to think about it, but what if you get seriously ill? We all like to believe it won’t happen to us – cancer, a heart attack, or a
Starting a small business often begins with a great idea and a desire to build something meaningful. For many owners, their business isn’t just a source of income—it’s how they
Most people have a false sense of security by believing that they will not be victims of a critical illness like cancer, heart attack or stroke; and if they are,
Insurance surrounds each of us every day: When you get in your car, when you come home to your residence, and while you work. Insurance is always in the background
Insurance is, and has always been, a tool to manage risk. If you cannot afford to ‘lose’ something, it is best to insure it. As with many other financial situations
If you are planning a holiday, it is wise to be aware of the six most common travel scams you might encounter on your journey. Travel scams vary from country
Ross and Janis lived a typical Canadian life. They were married, had two children, Melissa and Kyle, and both worked outside the home. An avid golfer, Ross also went
It’s all part of the process when you are arranging a mortgage for your new home. The bank employee inevitably asks if you would like to purchase mortgage insurance. No
When Sarah graduated from university and got her first job as a regional sales rep, her parents bought her a car to ensure she’d have a reliable vehicle for the
Most of us take for granted that we will be able to get out of bed every morning and go to work to earn a living. We base all of
Alicia was about to sign the papers on her new vehicle when she noticed an additional charge of a little over $3,400 for insurance on the Bill of Sale. When
Many falsely believe they will not be victims of a critical illness like cancer, heart attack or stroke. They also believe that if they do experience a serious illness, the
Graham*, like millions of other Canadians, has and uses credit cards. He often carries a balance from month to month and is concerned about making the monthly payments if he
For many small business owners, what began as a bright idea or an innate desire to exercise their entrepreneurial spirit turned into a new enterprise with the promise to provide
Besides ‘death’ and ‘taxes’, the other certainty in life is that life is full of unexpected events. So why aren’t we more prepared for financial stresses when they occur?
We’ve all read or heard about the unlucky family that is wiped out by a house fire and didn’t have any fire insurance. All too often, people mistakenly believe that
Marc and Lorna just bought a house and, like most home buyers, they needed a mortgage. During the financing process, they were offered mortgage insurance by the lender. They wanted
Sally has been working for the same company for over twenty years. About a year ago, she was given a new group benefits booklet because her employer had switched insurance
Many believe that if they need long term care, either in their home or in a facility, that the cost will be covered by provincial health care or other government
Ron and Susan are arranging a mortgage and the banker asks if they’d like to include life insurance to pay it off on death. Sounds like a good idea, so
As they take the big step of moving out of their parents’ home and into their first apartment or other living quarters, the last thing on a young person’s mind
Ted and Martha had about $600,000 in their RRIFs generating the minimum monthly income of almost $4,000 before taxes. Then disaster struck. Ted developed a cognitive impairment. Martha was
Life insurance is initially purchased for any of a number of reasons. As time goes by, many people question why they are still carrying their policies as the original purpose
Graham, like millions of other Canadians, has and uses credit cards. He often carries a balance from month to month and is concerned about making the monthly payments if he
Ray had thought of his life insurance purely as a protection plan. The anti-avoidance rules and general restriction of tax benefits applicable to most shelters prompted him to take a
Don, 65, and Marie, 63, are about to retire. They have accumulated about $500,000 in their RRSPs and own their home, free and clear. They want to leave as much
