Disability Insurance for High-Risk Jobs: Cost and What You Must Know How does Disability Insurance work? Disability Insurance offers a crucial safety net that distinguishes itself from Critical Illness Insurance by providing a reliable income replacement if you find yourself unable to…
Why is Critical Illness Insurance Important for Seniors? As we age, the likelihood of confronting a critical illness increases significantly, making senior citizens far more susceptible to serious health challenges than their younger counterparts. Compounding this vulnerability, many seniors find…
A Saltykov
Posted in COVID-19 and No Medical Life Insurance, Life Insurance, No Medical Insurance, Seniors Insurance
Life Insurance during and after the pandemic Life insurance has always been a part of life for many Canadians, either in the form of an individual life insurance policy, a group life insurance policy, or as mortgage life insurance. The…
You know that protecting your family with life insurance is a smart move, but what if you have a career that makes underwriters view you as risky to insure? Some of the most rewarding careers are the riskiest, but there…
A Saltykov
Posted in Guaranteed Insurance, No Medical Insurance, Seniors Insurance, Simplified Insurance, Traditional Insurance
When insurers sell a policy, they always assess risks associated with that policy. Those with lower risks (e.g. younger person, no bad habits, no health pre-conditions) get life insurance rates that are typically lower than those with a history of…
A Saltykov
Posted in Burial Insurance, Critical Illness insurance, Disability Insurance, Funeral Insurance, Guaranteed Insurance, Insurers, No Medical Insurance, Seniors Insurance, Simplified Insurance, Traditional Insurance
The variety of life insurance companies in Canada is not what it appears to be in the Canadian market. From a consumer perspective, there are nearly 50 life and health insurance providers, but the reality is a bit different… (scroll…
A Saltykov
Posted in Guaranteed Insurance, No Medical Insurance, Seniors Insurance, Simplified Insurance
No medical life insurance is viable life insurance option for those who either cannot qualify for standard insurance or those who prefer to skip the medical exam, which is an inescapable part of any traditional life insurance assessment. No medical…
There is always some confusion among term, whole and universal life insurance. All these insurance types are normally offered by insurance companies and insurance brokers, but how do they differ from each other? We will clarify the differences in this…
A Saltykov
Posted in Cancer Insurance, Guaranteed Insurance, No Medical Insurance, Simplified Insurance
The topic of cancer and life insurance is not an easy one. Cancer is a disease that falls into the category of critical illness, so all insurers treat it as a higher risk. If you were diagnosed with cancer or…
A Saltykov
Posted in Guaranteed Insurance, No Medical Insurance, Pre-Condition Insurance, Seniors Insurance, Simplified Insurance
Despite many people’s best intentions, they put off getting life insurance. Sometimes it’s the thought of their own death or disability that disturbs them, other times it’s just a convenient thing to push to the back burner. After all, what…
