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Life Insurance and High Blood Pressure: Background Getting Life Insurance with High Blood Pressure What is a Rated Policy? Can You Be Denied Life Insurance for High Blood Pressure? Does High Blood Pressure Increase Life Insurance? What are the Typical Life Insurance Rates with High Blood Pressure? What Life Insurance Types Can You Get with High Blood Pressure? What is the Best Life Insurance for People with High Blood Pressure in Canada? Life Insurance and High Blood Pressure: Background Blood pressure is a measure of the force of blood pushing against the walls of your arteries. It's an important indicator of your overall health, as high blood pressure can be[...]

Life Insurance and Cancer: Introduction Does Life Insurance Cover Cancer? Can You Get Life Insurance with Cancer? Different Types of Life Insurance Explained What Is the Difference Between Life Insurance and “Cancer Insurance?” No Medical Life Insurance and Cancer: Rates Getting Life Insurance with Cancer Life Insurance and Cancer: Introduction Cancer is a complex and devastating disease that occurs when abnormal cells in the body grow out of control and invade surrounding tissues. These cells can spread to other parts of the body through the bloodstream or lymphatic system, leading to the development of secondary tumors. Cancer can affect anyone, regardless of age, ge[...]

Life Insurance and Diabetes: Introduction Can You Get Life Insurance with Diabetes? Different Types of Life Insurance Explained Standard Life Insurance and Diabetes: When to Choose it No Medical Life Insurance and Diabetes: When to Choose it No Medical Life Insurance and Diabetes: Rates Life Insurance with Diabetes Type 1 Life Insurance with Diabetes Type 2 Life Insurance for Seniors with Diabetes Getting Life Insurance with Diabetes Life Insurance and Diabetes: Introduction The rise of diabetes in Canada is a concerning trend. According to 2019 data from the Diabetes Canada Cost Model, one in three Canadians have diabetes or are prediabetic - with the vast majorit[...]

Life Insurance and Depression: Background Can you Get Life Insurance with Depression? Does Life Insurance Cover Depression? What Type of Life Insurance Rates can you Get with Depression? Does Depression Affect Life Insurance Rates, and How? No Medical Life Insurance and Depression: Rates What is the Best Life Insurance for Depression? Life Insurance and Depression: Background Depression is a serious mental health issue that affects millions of Canadians. According to Statistics Canada's 2012 Canadian Community Health Survey (CCHS) on Mental Health, 5.4% of the Canadian population aged 15 and over reported symptoms consistent with major depression in the 12 months prior t[...]

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 COVID-19 pandemic brought some changes; in particular, the increased ability to get many different types of life insurance, even cheap ones without a medical exam. Nevertheless, if you are starting to look into life insurance options, it is important to be sure to look at different companies for quotes as well as understand the different life insurance types, how they compare, and which ones are cheaper than others. What are the different types of insura[...]

The latest COVID-19 developments The coronavirus (COVID-19) pandemic continues to spread around the world at an alarming rate. In April, the virus had infected more than 2 million people and caused over 170,000 deaths worldwide. During April, Canada experienced more than 30,000 infections and over 1,700 deaths. Everyone knows someone who has been affected by the pandemic, through illness, which is why so many people have already opted for safe sanitization for all environments in their homes, and workplaces to keep the virus at bay. With numbers rising sharply, particularly in the U.S. and Europe, and without a vaccine in place, insurance companies are trying to adjust their approaches, pr[...]

The COVID-19 Pandemic in Canada The Coronavirus (COVID-19) pandemic continues to spread around the world with over 1,350,000 people infected and more than 75,000 deaths to date. Canada is affected with over 17,000 cases and nearly 325 deaths as of April 6, 2020. These numbers are heartbreaking – the crisis impacts every person, every company, and every industry. The insurance industry is not an exception and many insurance companies are dealing with the uncertainly of how to manage this risk. We talked to life insurance professionals to understand what will change with respect to life insurance and, in particular, no medical life insurance. What is No Medical Life Insurance? As opposed t[...]

When you think about life insurance, you often think of the benefit your family receives if you pass away. However, life insurance covers far more risks than death. Disability is actually a greater risk than death for the average, healthy, middle aged Canadian adult. According to MoneySense, nearly 1 in 6 Canadians, before they turn 50, will experience a disability that disrupts their income for three months or longer. This will mean that they have had to change their life around for a period of time, especially if that disability gradually grows. There will be multiple things they'll need to deal with, like looking into motorized scooter rentals, adjusting their accommodation, applying for[...]

The term “no medical life insurance” has been floating around for some time now. Many are aware that it exists but are not sure of what it comprises. Today we will break down the ins and out of no medical life insurance and show you how it compares to traditional insurance both in policy types and rates. What is No Medical Life Insurance? No medical life insurance is a policy anyone can apply for without having to take a medical exam. On the other hand, traditional life insurance is fully underwritten – which means you need to take a medical exam and pass it in order to qualify for the best rates. The problem with traditional insurance is that not everyone can pass the medical exam. Com[...]

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 are still ways to get life insurance at an affordable rate. Today we will look at which jobs increase your life insurance rates the most, and how to get life insurance for risky careers. Many accidents that happen on these sites may have been avoidable if a more effective form of communication was in place allowing workers to alert one another to potential incidents before they occur, thus potentially avoiding injury and saving lives. Having radios in place for workers to use[...]