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Canadians have been quietly caring for their elderly for hundreds of years. Suddenly, however, it seems that long term care has worked its way from obscurity into the national limelight virtually overnight. If you consider the state of the country, the reasons are obvious.
Canada’s population is aging rapidly. According to a Statistics Canada 2001 [...]
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When I think about the insurance claim process what immediately pops into my head is John Grisham’s 1995 bestseller “The Rainmaker.” This is a modern-day “David vs. Goliath” fictitious story of course. The lead character, Rudy Baylor - a recent graduate from law school, is hired to represent his client Donny Ray Black, a 22 [...]
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It has been said that responsible people buy life insurance for one of two reasons; they either love someone or they owe someone. However, purchasing life insurance is not as easy as buying any other type of financial product. Just because someone wants life insurance and is willing to pay for it, does not automatically [...]
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An annuity is an insurance contract that returns payments of capital and interest on a regular basis. The insurance company makes fixed or increasing payout amounts at regular intervals for a specified time or for the annuitant’s lifetime. Annuities have no rescission rights and do not allow changes once the insurance company issues the contract.
Term [...]
Seg Funds work like Mutual Funds - when you purchase a Seg Fund you buy units in a pool or portfolio of securities, the value of which is affected by the fluctuations of the underlying markets.
But Seg Funds offer unique benefits not found in conventional market-based investments:
Death Benefit Guarantee - At death, the greater of [...]
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When a senior partner at a mid-size accounting firm in his early fifties was suddenly killed in a car crash, his firm could have been greatly impacted financially. Instead, his practice transitioned smoothly within the firm and his spouse was paid handsomely for her husband’s interest in the practice.
The best way to protect your firm [...]
Protect yourself from the effects of incapacitating disease or illness - and your estate from future financial burden. Long Term Care Insurance provides tax-free benefits when there is a need for long term care. The benefit can be used to cover the costs of care in nursing homes, assisted living facilities and/or home health care.
As [...]
Joint life insurance is a single insurance policy taken out on 2 people, typically husband and wife. Both parties own the policy jointly and are insured for the same amount, but the benefit is paid out only once.
Policies can be either first-to-die or second-to-die. In first-to-die, the benefit is paid to the surviving spouse; in [...]
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Most Canadians don’t
protect themselves
against the loss of
their earning power. This year
one in eight working Canadians
will become disabled for more
than three months, and half of
these individuals will be disabled
for more than three years.
When people are asked “what
is your most valuable asset?” the
usual responses are their homes,
cars or investment [...]
Get a Critical Illness / Disability Life Insurance Quote
Our health rarely improves with age. After the age of 65, 41 per cent of Canadians are likely to use nursing homes or some type of home care. Usually, the last five years of an individual’s life will make up 50 per cent of their total health [...]
My husband died at the age of 59 may 24 2003
I was 57...I am 64 now
My income is 30,000
Have I ...
I was wondering my step aunty is POA for my dad and he has passed away is the POA responsible ...
After reading this, I was not too impressed with the way my mortgage renewal went! It so happens that ...
Having executed a will in accordance with all requirements what are the provisions for 'winding up ' the operation? Is ...
Correction to my posting I was under 35 years old (31 to be precise)
My husband passed away 28 years ago, I was under 25 at the time and was told I was not ...
Will I receive my old age pension if I move out of the country.
I also get CPP. 
I just sat reading most of the comments on CPP and OAP pensions. I find most of these very ...
Hi
I am getting 65 years and entitled for CPP and Old Age Security but my wife is only 59 years ...
My wife has never worked outside of the home. When she reaches 65 will she be entitled to OAS ...
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