Tom Castonguay 
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 of healthy wisdom teeth, even if impacted, … Read more
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 sum and they guarantee you a … Read more
Dairy framing is an important industry because it provides healthy food products that every family needs. Running a dairy farm is hard work and requires business savvy, and like any other agriculture-based occupation, it comes with risks.This is why dairy farmers in Abbotsford and Chilliwack buy life insurance. They know their families and their business … Read more
The life insurance profession has many reasons to be excited about the future. A larger and longer living population is increasing demand for quality retirement and life insurance advice. The times are a’ changing rapidly in this industry. Once a tried and conservative group, the life insurance industry is doing all it can to keep … Read more
If you’re thinking about converting your RBC policy from Term to Permanent, it’s good to know the reasons why you should and how to go about it. Below, we are going to look at how converting your RBC life insurance policy can help ease your mind so you can relax knowing your family is financially … Read more
Business continuity planning is the process of preparing for future events that can cause an unexpected business interruption. For example, let’s say your startup took off and your company was successful from the get go.Now it’s two years later and you’ve expanded across the country, and just landed the big contract everyone was waiting for. … Read more
One popular option, you would never get from a mortgage lender, is a term ladder or the option of layering your life insurance protection. Below, we’ll look at how you can do this in the most cost effective way. Term Life Insurance Life insurance protects you and your family from financial loss due to a … Read more
Being a high life insurance risk means that life insurance will cost you more, but it doesn’t mean you won’t qualify for affordable rates. Life insurance companies base their rates on how risky you are to insure (the likeliness that you will die and they will have to pay out the death benefit). It’s not … Read more
Top insurance companies are changing how they look at recreational marijuana users; and on July 7, 2016, SSQ altered their underwriting process to stop treating all pot users the same. SSQ – Now Considers Certain Marijuana Users as Non Smokers Like their competitors, for years SSQ automatically classified anyone who disclosed that they used marijuana … Read more
Pacific Blue Cross, a leading health benefits company, has recently developed a free online tool to educate consumers and help them perform a cost comparison search of prescription drugs quickly. Consumers can now easily see which pharmacy charges the least for their prescription. The high cost of prescriptions is what drove Pacific Blue Cross to … Read more
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