Insurance Blog

A study from the University of Toronto found that those who've never smoked live, on average, a full decade longer than lifetime smokers. However, there was also good news for smokers in the same study: those who quit smoking by age 44, on average, die only one year earlier than someone who has never smoked ...
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La Capitale offers a simplified issue critical illness term 10 policy called Second Chance. The policy is available to applicants aged 18 to 60 and is available in face amounts of $10,000, $25,000, and $50,000. The premiums are level for ten years and the plan is guaranteed renewable. The plan covers six illnesses, and the policy includes a Best Doctor's Assistant Service and Succession Advantage Coverage. There's no underwriting involved, but the insured must be able to answer no to the health questions asked. Check ...
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Contact your insurance broker about La Capitale's Affirmative Simplified Issue Plan La Capitale is offering The Affirmative Simplified Issue Plan. The plan has no medical tests and four health questions, but within those health questions are several sub-level questions. The premiums on the plan are as follows: For a 25-year-old, male non-smoker, $25,000 of coverage is $55.55 a month. For a 40-year-old, male non-smoker, $25,000 of coverage is $78.50 a month. The death benefit is limited for non-accidental deaths (in the first two policy years) ...
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No-medical life insurance in Canada has seen an upsurge in popularity in recent years, but how many insurance advisors and consumers really understand the pros and cons of this type of coverage? We lay out five advantages and disadvantages just for you ...
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Turns out, living in Chicago will increase your likelihood of a heart attack – and it's not because of the famous deep-dish pizza. Not that living in Denver would not invite the chances of heart aches or diseases. Although the chances are slightly lower than those living in Chicago, one should not disregard the fact that they still exist. Even if you live out most of your days in your dwelling in Denver, you are still likely to fall ill because the indoor air quality ...
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Life insurance will now cover funeral expenses and a lot of funerals offer different services that may accommodate your needs - view website here to learn more. Funeral costs can vary widely in Canada, depending on which features you're looking for. Some funerals can feature grand elements to celebrate the person's life. No one said planning a funeral was going to be easy. It can also be expensive too. From checking out a site like Dayton Headstones to pick a headstone, getting in touch with ...
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Drug use has gone down in Canada. According to the CBC, about 11 per cent of the Canadian population uses drugs. The most prevalent drug used outside of alcohol is cannabis, as 39 per cent of Canadians have used cannabis in their lifetime, with the average first time they tried it at 15 years old. Of course, if cannabis is legal in your country, or you have been prescribed medical cannabis for a health problem, then the likelihood of you trying it at an earlier ...
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Guaranteed issue life insurance provides applicants with life insurance with no medical tests and no health questions ...
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When it comes to No Medical life Insurance, most consumers are in the dark about which plan is best. In fact, even most insurance brokers have a very limited understanding of the nuances of the No Medical life insurance market right along with their clients. Right now, two large Canadian insurance companies are taking advantage of this knowledge gap ...
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RBC and BMO have almost identical guaranteed issue plans. BMO Insurance and RBC Insurance are battling it out with independent brokers for a share of Canada's guaranteed issue marketplace. These policies, generally used to fund final expenses, are an after thought to many brokers, but Insurance companies are starting to see the value in offering these plans ...
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