Tom Castonguay 
There are three main types of permanent insurance – universal life, whole life and term-to-100 life. Below, we’re going to look at each type of permanent life insurance and review the pros and cons. One pro that is the same for each type of life insurance is that the death benefit and investment portion are … Read more
Empire Life is a proud Canadian company that has been in business since 1923, and is among the top 10 life insurance companies in Canada. It sells a variety of insurance products through a large network of brokers. If you purchased your term life insurance with Empire Life, you made a great choice. If you’re … Read more
When it comes to term life insurance, the most important thing (beyond the necessity of it) is buying the right policy for your situation and getting that policy at the right price. This is why you should always use a broker to compare term life insurance policies. Term life policies are the same in concept. … Read more
Parksville is breathtaking, which makes it difficult to think about bad things happening; but life insurance protection is important for financial planning, even if you live in a place where you get to spend your days calmly reflecting on nature’s beauty. The fact is, if you’re thinking about life insurance, it’s time to take the … 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
In June, we told you about the changes BMO made to their underwriting process when they concluded that occasional marijuana smokers do not share the same risks as cigarette smokers such as related smoker impairments. As was predicted, other life insurance companies are now following BMO’s lead. In this post, we’re going to look at … Read more
For most Canadian families, term life insurance offers sufficient protection at an affordable rate; and it expires when they no longer need it. However, many people still wonder if they should convert their term policy.In a word, YES. Everyone should have at least a minimum amount of permanent life insurance. Most term policies offer you … Read more
The insurance industry is always changing to keep up with lifestyle changes and technology; they continually perform research and adjust accordingly. BMO Insurance has recently made changes to their rules, and effective immediately, will consider occasional marijuana smokers at non-smoker rates. Research and Infrequent Marijuana Usage As research by insurance company’s increases, the life insurance … Read more
Permanent life insurance is a fascinating financial tool, but it is also puzzling; this is why people have a love/hate relationship with it. Individuals, who love it, totally love it; those who hate it want to get rid of it, and those in the middle can’t figure out what the big deal is. However, it … Read more
Permanent life insurance is complicated for most people, but it doesn’t have to be. Below, we are going to look at permanent life insurance with a brief overview. We’ll break down its components of each concept. Hopefully, when you’re finished reading, you will understand the basics and be empowered to decide if permanent life insurance … Read more
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