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Canadian Life Insurance Companies Blog

the $250,000 Boost. 4 Steps to Maximizing your TFSA

the 250000 boost TFSA 1. Start Now Saving is hard, but there is no better way to save than in an account you will never pay tax on – now or later.  You won’t have to pay tax on interest, dividends nor capital gains.  You can contribute $5,500 per year, and your contribution room has been growing. 2. Switch…

Life Insurance Guide

Life Insurance is an economical way to financially protect your family from not having enough time to complete your plans.  It is part of an overall strategy of Financial Planning (video).   Life insurance can replace the income you would have earned to your family in case of an early death. The buying of life insurance…

How Universal Life Insurance Policies work – a Simplified Guide

Universal Life policies first became popular in the early 1980s, and had been developed a few years earlier.  They are considered unbundled policies, in that the various parts of an insurance policy, which include the term insurance, the cash value and the expenses, are priced separately and stated in the contract. This was a response…

Should I Buy Waiver of Premium on a Life Policy?

Waiver of premium on a life insurance policy is a rider that you can optionally add and which may pay the premiums of a life policy for you during a period of disability.  This can help keep your valuable life insurance in place for your family during a time when you are already vulnerable because of…

Long Term Care Insurance Guide

Long Care Term Insurance is designed to help pay for the care that people may need as they get older, especially after retirement.  Many disability policies now have the feature that after a certain age, the disability benefit can be converted to a long term care benefit, determined by the policy. The cost of long…