Without barely a moment’s thought, you would protect your family from an immediate threat. But would you make a plan to protect them from one in the future?
It’s easy to respond to problems in the present, but it’s much more difficult to look ahead with the same urgency, especially for situations we would prefer not to think about. When an unpleasant scenario unfolds, will you be ready?
Every risk management question begins with “what if?”
What if you suffer a debilitating injury? What if you are injured (or worse) in a car accident? What if your family member develops a serious illness? These are all terrible events, so obviously, no one wants to think about them. But I can tell you one thing with certainty: It’s much easier to think about it now than it is during the moment in happens.
One way to manage risk is by getting health and dental insurance. If you have never had a serious health incident or a root canal, you might not realize how expensive health care can be. The shock of the physical discomfort is disconcerting enough; you don’t need a devastating bill to make it even worse.
Travel insurance is often overlooked part of risk management.
You may visit your extended family in a foreign country without much thought, but if you require hospitalization in a foreign country, the bill could be astronomical. Travel insurance can help you roam freely with peace of mind.
Standard Insurance Plans
These are standard coverages that every Canadian should have to protect against every day risks.
Term life insurance is the most basic of life insurance products in that it has no savings component, and thus no cash value. By the name, it is purchased for a ‘term.’ One of the most common uses of…
Individuals without health and dental benefits are subject to expensive fees for certain treatments. These costs are magnified when they involve a family. Most employers offer a taxable benefit…
Everyone who enjoys good health hopes it will last for a lifetime. But it doesn’t always turn out that way. Sometimes life throws a curve. Injuries can happen. A disability illness could dramatically…
Purchasing travel insurance is one of the easiest decisions you will ever make. However, the sad reality is that many Canadians do not purchase proper coverage before they travel and in some…
Guaranteed Investment Funds (also known as “Segregated Funds” or “Individual Variable Insurance Contract”) are basically enhanced Mutual Funds. They come with a protective wrapper…
Providing an attractive employee benefit plan is key to hiring and keeping quality people. Whether your company has only a few staff members or you are a large complex organization, providing…
Enhanced Insurance Plans
These are enhanced coverages that every Canadian can use to protect against special risks.
A critical illness can happen to anyone. And it does happen to many. Canadians are more likely to experience a critical illness than they are to die before the age of 75. For most people…
Annuities are one of the simplest investment vehicles one could acquire. Simply put, when you establish an annuity, you are purchasing a lifetime income. Examples of annuities are, Canada…
Most people buy health insurance and insurance for home, car and other property replacement. However, fewer people buy long-term care insurance, either not thinking about it or…
Permanent Life Insurance policies include insurance and savings in a single tax-advantaged plan. With Permanent life insurance you have the ability to change your coverage, deposits and…
Many people will offer you advice on which investments…
For most Canadians, retirement is a major financial goal that…
Many people assume that estate planning is only for the…
Investment tax planning is not just about writing the…
Careful portfolio analysis is necessary to ensure that…
Proper analysis is vital to ensure that you aren’t paying too…
You are more experienced now, your bank…
If you are just starting out, it’s easy to…
You get home from work, your spouse is…
During the last market downturn, retirees who…
Running a single-person household has a unique set of..
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