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Fiduciary Liability Insurance: The Importance for Businesses

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Fiduciary Liability Insurance: The Importance for Businesses

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Directors, officers, and employees carrying out fiduciary duty are likely to be sued for mismanagement of employees’ benefits plans and retirement. Hence, businesses are advised to prepare for a potential lawsuit by purchasing fiduciary insurance. A Fiduciary can be a person, committee, or organization working on behalf of employees by taking care of their retirement funds or benefits.

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Guaranteed Whole Life Insurance with No Waiting Period in Canada

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Guaranteed Whole Life Insurance with No Waiting Period in Canada

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Life insurance is an essential part of any financial plan. Moreover, it provides peace of mind knowing that your loved ones will be taken care of if something happens to you. When it comes to life insurance, there are many types. Each offers its own set of benefits. For example, guaranteed whole life insurance is a policy that offers guaranteed coverage with no waiting period.

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Is it possible for Seniors to get Term Life Insurance?

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Is it possible for Seniors to get Term Life Insurance?

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As the simplest form of life insurance with low premium rates and a predefined period of 10, 15, or 20 years, term life insurance is usually a sensible choice for the young or those building a family. They hope to receive coverage for mortgage payments, their children’s education, dependent support, or funeral costs at some point in the future.

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Canada’s Life Insurance Comparison: ivari vs. iA Financial Group

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Canada’s Life Insurance Comparison: ivari vs. iA Financial Group

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Having a Life insurance policy in place gives you the peace of mind you need. It provides financial support in case of an unexpected event and ensures your financial obligations are met. Here is a comparison of two big insurance companies in Canada: ivari Insurance and iA Financial Group.

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Canada’s Life Insurance Comparison: Desjardins vs. Manulife

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Canada’s Life Insurance Comparison: Desjardins vs. Manulife

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Millions of Canadians have one form of a life insurance policy or another to help cope with life uncertainties. The types of life insurance coverages offered by most insurance companies allow a policyholder to choose a plan based on a preferred duration and terms. This means that apart from the traditional policy system that pays after the holder's demise, certain types can be purchased for a short period. Desjardins and Manulife are insurance companies with a reputation for excellent insurance service. So, if you are contemplating which to buy, here's a comparison that can help you decide.

Desjardins

Desjardins, known as Desjardins Group, is a Canadian financial company with billions of dollars in revenue. Desjardins offers insurance services to Canadians, among other things. The life insurance policy of Desjardins helps a buyer to cope with a temporary financial crisis within 10-30 years and also offers plans for people who want to plan long-term - especially for their family after they die. The life plans offered by Desjardins are four types:

Manulife is a popular insurance company you may have heard of at one point or another. In Canada, Manulife sells a variety of insurance products. The life insurance plan at Manulife offers a holder a pool of options to cater to financial endeavours within a period of 10-30 years. Added to that, there are plans for long-term purposes. Manulife can help you prepare against any form of financial loss while you're alive and cater to loved ones when you die. There are plans that pay out when you're alive and some designed to pay after your demise. The flexibility of Manulife's programs allows Canadians to choose based on their circumstances. Although on the surface, Manulife has two major types of life policies, numerous sub-plans are designed to help Canadians find a suitable policy. The major plans are:

Term Life Insurance

Permanent Insurance

Desjardins Insurance has four major plans that allow you to choose based on your needs. The term life plan pays out after the duration of the policy - it could be after 10 years, 20 years, or 30 years. The rest of the plans are lifelong plans with different benefits. A universal plan allows you to amend the insurance details every five years. The participating plan will enable you to pay all your premiums within a certain number of years. The permanent life plan also gives you an option to personalize your plan.

How Manulife Insurance Works

Manulife insurance offers a variety of life insurance policies that can serve you for a short period or a long time. The purpose is to help buyers get life coverage that meets their needs. For example, individuals with short-term needs will benefit from the coverMe and CoverMe simple plans. If their circumstances do not improve, they have the option of renewing the plans for up to 85 years. Suppose the holder becomes disabled or is diagnosed with a terminal illness with less than 12 months to live; these policies payout. And if an individual needs lifelong coverage, permanent plans are ideal. Permanent plans have a wide range of applications, including health and business. These plans can cover the buyer or holder's needs while they are alive, as well as their business and offer a way of life for loved ones after the buyer passes away. The holder can also specify the scope of the plan.

Pros

Both insurance companies have products that are easy to purchase.

They both provide ample information on the plans offered, although Manulife has more details.

Cons

Desjardins doesn't provide as much detail as Manulife. Information about the coverage amount is not available on Desjardins' website.

Overall, both insurance companies have excellent policies. Also, they are both reliable. So, examine their plans and make a decision. More important, keep in mind that you can always reach out to a representative of each of these companies to learn more about their products.

For personalized life insurance quotes from these Desjardins and Manulife, or many other good life insurance companies in Canada, you can refer to Insurance Direct Canada - one of the most trusted insurance brokers across all states in Canada.

Other reviews available for your reference: Sun Life review, ivari review, Foresters Financial review, CPP review, etc.

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Canada's Life Insurance Comparison: Desjardins vs. Manulife

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Millions of Canadians have one form of a life insurance policy or another to help cope with life uncertainties. The types of life insurance coverages offered by most insurance companies allow a policyholder to choose a plan based on a preferred duration and terms. This means that apart from the traditional policy system that pays after the holder's demise, certain types can be purchased for a short period.

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How Critical It Is to Offer Employee Benefits in Canada

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How Critical It Is to Offer Employee Benefits in Canada

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Employee benefits, plans, and insurance in Canada might be a little costly. But they have several advantages that companies need.

Employee benefits provide a win-win situation for both the company and the employee. For years, companies have received competitive insurance quotes for employee benefit plans. However, only a select few insurance companies can help these firms.

Some companies have practiced offering employee benefits to their prospective hires. These benefits cover the most basic yet underrated needs of an employee.

Companies use employee benefits as an extra offer to produce a competitive package. The common non-monetary benefits include paid vacation leaves, retirement plans, and health insurance.

But the company has sole discretion on what employee benefits they will offer. This means that the employee benefits vary from one company to another.

The Importance of Employee Benefits

Employee benefits are introductory offers a company makes for engaging their employees. In return, the company gets the following:

Employee's Loyalty

A high-paying job is essential, but some employees choose employee benefits. This best applies to employees who are seeking long-term employment.

Motivated Individuals

Giving an employee his due employee benefits will make him feel that he is being valued. This will make the employee more focused, productive, and results-driven.

Lesser Attendance Attrition

Companies rely on employees. The employees' attendance will significantly affect the business' success.

Three reasons contribute to an employee's absenteeism.

If a company can address any of these, the employees can be more focused and productive. They can work without worries since their issues are already taken care of.

Attract Best Talents

The employee benefits that a company offers make it a high chance to attract the best talents. This is because benefits sometimes outweigh salaries.

Types of Employee Benefits

There are several employee benefits and the most common fall under these categories:

Insurance

Retirement Plans

Monetary Compensation

Flexibility of Time

There are several types of insurance. But most companies offer health insurance, life insurance, or disability insurance. Of the three, employees' best pick is health insurance. This type of insurance covers the employee's vision, medical, and dental concerns.

In most countries, health insurance is a mandatory employee benefit. In some, it is a supplementary employee benefit.

If you want to have a competitive company, start calling insurance companies now. Ask for insurance quotes that will best fit your company and employees' needs.

Retirement Plans

This type of benefit promises the employees a monthly pension when they retire. Some employees prefer this type of benefit. An extra income can help the employee so much when you retire.

Insurance companies mainly pitch this plan to firms that need heavy employee retention.

Monetary Compensation

This is one of the most favored employee benefits. Employees who are in sales expect this type of employee benefit. Rewards through bonuses are usually part of an incentive scheme. The monetary compensation is traditionally used to motivate employees to deliver quality results.

This type of benefit is internal and shouldered solely by the company. This will rarely appear in an insurance quote.

Flexibility of Time

This could cover paid vacation leave, birthday leave, flexi-time, or sick leave. The companies that offer this type of employee benefit are already ahead of the game. A survey proves this, with 9 out of ten employees choosing companies with paid vacation leave.

The Best Employee Benefits in Canada

There are two types of employee benefits, mandatory benefits and supplementary benefits. Canadians both enjoy these types of employee benefits. Most companies in Canada also offer employee perks or fringe benefits. These perks are benefits given to employees on top of their employee benefits.

Canadians rank healthcare as the most critical employee benefit. Around ninety percent of Canadian companies offer healthcare coverage. Some companies also provide extended health care to their employees. Following healthcare are disability plans, retirement pay benefits, and accidental death coverage.

How to create a good employee benefit program?

The plan must benefit both the employer and the employee. Here are the key points that you must consider.

Know the company's employee benefit goal: Align the employee benefits to the company's purpose and employee's needs. The company must also consider the nature of its business, size, and location.

Check your company's budget: When making a budget, the company must consider collective bargaining. This is one way to ensure that the program will not burden the employer or the employee.

Research and Assess: Thorough market research targeting the best employee benefits is also needed. Most companies also give out a survey to their employees to find out what they need. Once everything is all set, the company must reevaluate the plan before finalizing it.

Create a plan: An employer must review the program before deciding to add or remove an employee benefit.

Ideal Employee Benefits Plan Coverage

Offering employee benefits is costly. But for small companies and start-up firms, eighty percent (80%) coverage is the safest way to go. This coverage is already competitive enough to attract and keep employees. They can scale up to a hundred (100%) coverage later.

Investing in 100% coverage while in the early stages of the business is not advisable. Unless the company can sustain the cost for the next 20 years.

For more personalized employee benefits advice and quotes, you can always rely on Insurance Direct Canada, an established insurance broker in Canada.

Top Canadian insurance companies' reviews for your reference: CIBC review, ScotiaLife Financial review, Manulife review, Assumption Life review, etc.

Frequently Asked Question

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How Critical It Is to Offer Employee Benefits in Canada

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Employee benefits, plans, and insurance in Canada might be a little costly. But they have several advantages that companies need. Employee benefits provide a win-win situation for both the company and the employee. For years, companies have received competitive insurance quotes for employee benefit plans.

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Best Insurance Online is aware that a baby moon is a perfect time for couples to connect and unwind before the child arrives. Still, traveling during pregnancy requires careful planning to alleviate risks to yourself, your unborn baby, and your finances.

Whether you are traveling as part of your job or trying to sneak in one last getaway, ensuring your trip is safe, fun, and comfortable is crucial. This is when travel insurance comes in and gives you peace of mind.

Considering a travel insurance policy is a step in the right direction, but asking questions and informing yourself ahead of time will help avoid your coverage failing you when you need it most.

What are some travel risks?

Traveling while pregnant can pose additional risks that you may be unaware of. This is why consulting your doctor before the trip is highly recommended. The Government of Canada lists some risks and things to consider before traveling, including:

Blood clots: You can reduce the odds of getting blood clots by moving around frequently and donning loose, comfortable clothing.

Food- and water-borne illnesses: These ailments can be more severe during pregnancy and can indeed be risky to your baby. Therefore, take extra precautions with food and drinks, and wash your hands on a regular basis.

Vaccines: It is commonly recommended that pregnant women avoid live vaccines, and inactive vaccines are regarded as safer. Speak with your healthcare provider or personal doctor to choose suitable vaccination options.

While it is common knowledge that you should not travel after the 8-month mark, it is safest to do this between the 18th and 24th weeks of pregnancy or the second trimester.

The first trimester usually presents more morning sickness and miscarriage risks, while you are more susceptible to early contractions or premature labor in the third trimester.

If you are traveling by air, you can safely fly up to 36 weeks of pregnancy. Most airlines have travel restrictions for pregnant passengers, and you may need to present a doctor's note to prove you are in a good enough physical state to travel by air. Keep in mind to check with the airlines to see if you meet their requirements.

Will Medicare cover you while traveling?

If you are qualified for Medicare and only traveling in your home province, you are definitely covered under the provincial health care plan. You only need to present the health card to get medical benefits.

Secondly, if you are traveling to another province in Canada, you may want to protect yourself by purchasing travel insurance. The Canada Health Act requires your home province to grant you emergency hospital or doctor coverage. However, the coverage amount and available services are contingent upon your home province's health plan and its agreement with the province you are visiting. If you wish, you can check what exactly will be covered by your provincial health plan on its official Medicare website. But to be safe, we do recommend that you have a travel insurance policy in place to at least lessen the substantial medical bills.

Finally, should you want to travel outside of the country, The Canada Health Act will not entitle you coverage to your health services. At best, Medicare will possibly cover a portion of your medical bill, so you should buy travel insurance to ensure sufficient protection while traveling abroad.

What are some limitations for pregnant policyholders?

Usually, travel insurance is intended for unexpected medical situations. Therefore, despite not being an illness or an accident, being pregnant can impact your health, hence the limitations on your coverage.

Most travel insurance companies will protect you up to nine weeks before your expected date of delivery.

If no complications are detected during your pregnancy, and your doctor confirms that you are stable enough, go ahead and plan your itinerary. Just make sure to buy a travel insurance policy if a medical emergency happens. However, should there be issues during your pregnancy or your doctor advises you against traveling, stay at home since travel insurance cannot protect your pocket against the unexpected in that case.

What does travel insurance not cover during a pregnancy?

1. Routine prenatal care and high-risk pregnancy needs or complications

2. Childbirth or complications during childbirth during the nine weeks before or after your expected due date.

Nevertheless, exceptions do take place under certain circumstances of premature birth. Still, you need to read the terms and conditions carefully to find out if your travel dates (and due date) will exclude you from protection or not.

Your baby's needs if they are born on the trip as your coverage protects you and not your child.

This is because there is a much higher risk of medical care needs and complications, especially throughout the first 15 days of life.

Also, it is notable that insurers will not cover the medical bills of delivering your child near your expected delivery date. Any costs related to your baby's care, such as medicine, incubators, and surgery, are not covered because they are not the named policyholder.

Even if your travel insurance policy does not cover medical costs associated with your pregnancy, a good insurance provider will still offer you the emergency assistance services you require. For instance, they will be able to organize your journey home for continued care on your behalf. Despite a higher expense than you wish to pay, it may prove negligible compared to your medical costs after a week or two at a hospital abroad.

The Bottom Line

For pregnant travelers, whether it's an overseas shopping trip, a visit with a friend in another province in Canada, or a week at the beach, it is highly recommended that you check your travel insurance coverage before setting off.

We are available to help you obtain more information from different insurers and proceed to acquire a travel insurance policy if you wish. We'd like to recommend you to refer to Insurance Direct Canada - one of Canada's most trusted insurance brokers for further insurance inquiries and insurance quotes.

Reviews on Canadian insurance companies for your reference: iA Financial review, CPP review, Foresters review, Canada Life review ...

Frequently Asked Questions

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Best Insurance Online is aware that a baby moon is a perfect time for couples to connect and unwind before the child arrives. Still, traveling during pregnancy requires careful planning to alleviate risks to yourself, your unborn baby, and your finances.

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Travel Insurance Coverage and Pre-existing Conditions

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Travel Insurance Coverage and Pre-existing Conditions

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Whole Life Insurance for Business Owners in Canada

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Whole Life Insurance for Business Owners in Canada

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This article will help you understand what Whole Life Insurance is and how important it is to business owners.

What Is Whole Life Insurance?

Whole Life insurance is a life insurance policy that covers the insured person for their entire life. It provides coverage for death, disability, and other risks. Whole Life policies also include cash value accumulation.

Whole Life versus Term Life

Whole Life insurance lasts for a lifetime, while term insurance only covers you for a set period. Whole Life insurance premiums are typically higher than Term Life because of the more comprehensive coverage, but they can also be more beneficial in certain situations. With Whole Life insurance, the cost of your payments never changes, unlike Term Life insurance, where the cost of premiums keeps changing throughout all terms.

Who needs a Whole Life insurance policy?

Whole life insurance is a fantastic option for consumers who desire permanent coverage, fixed rates, and cash value. If you pay the required premiums to maintain the policy in force, your beneficiary will get an insurance payout whenever you die.

How much does a Whole Life insurance policy cost in Canada?

The cost of a Whole Life insurance policy depends on several factors, as discussed below.

How much coverage do you need? - Are you looking for a plan that will cover your mortgage? Or are you looking for one that will provide a lump sum of money to your loved ones after you die?

The second thing is what kind of premiums you're willing to pay. If you're on a tight budget, it might be best to look at plans with lower premiums.

You should also consider the length of time you want the coverage to last. If, for example, it's just something temporary, then there are policies out there with shorter terms and lower premiums.

Calculating how much you'll pay for insurance can be difficult. However, with our hypothetical estimate, you'll have a vague idea of what you could be spending. If you are a male in your mid-30s, you could purchase a $250,000 life insurance plan for $161 per month. For females of the same age, it will cost approximately $139 each month. However, the monthly cost is much higher in your 80s.

Is Whole Life insurance worth it?

This is mostly determined by you and what you desire. Whole Life insurance, for instance, is much more expensive and can cost eight to ten times more than Term Life insurance, depending on your age.

Saving money is especially difficult for families with children, and the cost of Whole Life insurance makes it almost out of reach for them. With the average family unable to benefit from most life insurance policies, this issue needs solving.

What are the Benefits of Whole Life Insurance for Business Owners?

Business owners face unique challenges and needs. Buying a Whole Life insurance policy is an excellent way to cater to these needs. The benefits of Whole Life insurance for business owners are manifold:

When you die, your whole life insurance provider pays death benefit to a designated beneficiary. However, there are benefits beyond just the death benefit. A business owner can use Whole Life insurance to provide liquidity and retirement income.

It can be used as an asset protection tool for business owners. Whole Life insurance can shelter assets from liability lawsuits, creditor claims, and divorce settlements.

Whole Life insurance can also be used as an efficient retirement vehicle because it provides guaranteed interest rates to accumulate funds for retirement.

Pros of Whole Life insurance policy

Whole Life insurance is the only type of life insurance that lasts your entire lifetime. It will stay in force until you die, and it doesn't matter how old you are when you get it.

Another merit of Whole Life insurance is that you can maintain your policy without ever having to re-qualify. For instance, even if you develop a condition like diabetes or high blood pressure, the cost of your premiums won't increase.

It helps with building cash value, which you can use later.

A Whole Life insurance policy can be a good investment vehicle for high-net-worth individuals who have maxed out other savings vehicles. You can combine the tax advantage of savings accounts like Tax-Free Savings Account [TFSAs] and Registered Retirement Savings Plan [RRSP] with the growth potential of investing in a Whole Life insurance policy.

Cons of Whole Life insurance in Canada

Whole Life insurance may benefit some who can afford it, especially high-income earners. But what about Canadians who cannot afford it?

Cost: Compared to other insurance policies like Term Life insurance and Universal Life insurance, Whole Life insurance is more expensive. For example, Whole Life insurance is more costly than Term Life insurance.

Necessity: There are several other alternatives to Whole Life insurance. You may be disappointed to find out that you have been paying for what you don't need.

Duration: Whole Life insurance lasts till you die or cancel it. You may have to wait a couple of years to reap the benefits of the policy's cash savings component.

Can you be denied a Whole Life insurance policy?

Yes, especially if you have a pre-existing illness or injury when applying for the policy. These conditions include cardiovascular diseases, cancers, diabetes, and asthma. Some states still require insurers to offer guaranteed issue policies that cover anyone who applies regardless of pre-existing conditions.

In Summary

Whole life insurance is a fantastic option for consumers who desire permanent coverage, fixed rates, and cash value. To get the best insurance guidance you can always rely on the agents at Insurance Direct Online, an established insurance broker in Canada.

Our reviews for insurance companies in Canada for your reference: iA Financial Group review, CPP CA review, Desjardins Insurance review, RBC Insurance review.

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Whole Life Insurance for Business Owners in Canada

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This article will help you understand what Whole Life Insurance is and how important it is to business owners. Whole Life insurance is a life insurance policy that covers the insured person for their entire life. It provides coverage for death, disability, and other risks. Whole Life policies also include cash value accumulation.

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Top No Medical Exam Life Insurance Policies in Canada (2022)

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Top No Medical Exam Life Insurance Policies in Canada (2022)

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Life insurance ownership in Canada isn’t at an incredibly high level. According to statistics collected and published by LIMRA, less than half of households in the country have individual coverage. However, more and more people are interested in getting a life insurance policy. The problem is that the application and underwriting process can be daunting.

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Tips to Speed Up Travel Insurance Claims Process

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Tips to Speed Up Travel Insurance Claims Process

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Tips to Speed Up Travel Insurance Claims Process

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Speeding up travel insurance claims is certainly doable; however, there are important steps/tips to take the pain out of the claims process.

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When is the best time to purchase Travel Insurance?

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When is the best time to purchase Travel Insurance?

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Although it is feasible to buy travel insurance until the last day before departure, perfect timing is crucial to read your policy’s benefits. Regardless of the destination, you have chosen or the duration of your trip abroad, travel insurance is crucial to protect your health and wallet during the vacation.

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Estate Planning in Canada: Expectations vs Reality

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Estate Planning in Canada: Expectations vs Reality

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For most people in the world, there are two main reasons for estate planning. These reasons include asset distribution and liability control. First, you want to accordingly apportion your wealth to your respective desires as a person. You must understand that almost the same rules guide the Canadian estate planning industry as other countries.

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Canada Health Insurance Comparison: iA Financial vs ivari Insurance

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Canada Health Insurance Comparison: iA Financial vs ivari Insurance

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Are you looking to insure your health or that of your loved ones but find it challenging to choose the right insurance company? Here is a comparison of two big insurance companies in Canada; iA Financial and ivari Insurance.

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Canada’s Life Insurance Comparison: ivari vs. Canada Protection Plan

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Canada’s Life Insurance Comparison: ivari vs. Canada Protection Plan

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Are you aware that having a life insurance plan protects your loved ones in times of unexpected events such as disability, injury, critical illness, or death? Exactly! With a life insurance plan, you can provide financial security for yourself and your loved ones. To help you get the best for your protection needs, let’s compare two big insurance companies in Canada; ivari Insurance and Canada Protection Plan.

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Are you aware that having a life insurance plan protects your loved ones in times of unexpected events such as disability, injury, critical illness, or death? Exactly! With a life insurance plan, you can provide financial security for yourself and your loved ones. To help you get the best for your protection needs, let's compare two big insurance companies in Canada; ivari Insurance and Canada Protection Plan.

ivari

ivari Insurance offers a full range of insurance products to many Canadians. The insurance company started over 80 years ago and was later acquired by Wilton Re in 2015. With thousands of independent advisors, ivari provides a life insurance policy that offers valuable lifetime protection, along with investment and savings features. The life insurance policy sold by ivari can be customized with additional options to provide more coverage. The only major plan is:

Universal Life Insurance (UL)

Canada Protection Plan (CPP)

Canada Protection Plan is a Canadian-owned insurance company that offers life insurance and other related products with simplified processes that require no medical exam. The insurance company was founded in 1992 and later became an asset of Foresters Financial. With over 25,000 advisors across Canada, CPP sells insurance plans to many Canadians. The life insurance plan sold by CPP offers full-spectrum coverage regardless of health conditions. The two major plans are:

Permanent Life Insurance

Term Life Insurance

ivari Insurance Products vs. Canada Protection Plan Insurance Products

Both Ivari Insurance and Canada Protection Plan have great insurance policies. ivari Insurance offers one major plan, including some no-cost benefits and rider plans - while CPP offers two major plans and some sub plans. Below is a comparison of both insurance companies.

ivari Universal Life Insurance

Canada Protection Plan No Medical & Simplified Issue Life Insurance

Universal Life Insurance
This insurance policy is tax-efficient and lets you build assets for your kids, protect your mortgage, increase your retirement income, and protect your retirement savings in case of disability.
This plan comes with some additional no-cost benefits:
Living Benefits
If you become disabled due to a disease or injury covered by your policy, you can access your universal life insurance fund value through your living benefits. The fund will be paid to you tax-free.
Compassionate Assistance Program
If diagnosed with a terminal illness or injury and your life expectancy is below 24 months, you will be allowed to take a loan against your death benefit.

Permanent Life Insurance
This plan provides lifetime protection that covers your permanent needs, such as final expenses. It offers the best coverage at the lowest price.
The sub-plans are:
Guaranteed Acceptance Life
This sub-plan covers your medical bills or outstanding debts. It also covers other expenses such as funeral costs and final expenses. It is a general plan and can be purchased regardless of your health condition.
Deferred Life
It is a simple permanent plan for individuals with severe health conditions like cancer, heart condition, or diabetes.
Deferred Elite Life
Deferred Elite Life is suited for individuals with less severe health conditions, including cancer, heart condition, or diabetes.
Simplified Elite Life
This sub-plan offers up to $500,000 to individuals in relatively good health or engaged in extreme sports. If you want to get lifetime coverage without any delay, this is the ideal plan for you. No Medical exam or doctor's report is required, and full protection starts immediately your policy is issued.
Preferred Life
It provides you with lifetime protection coverage of up to $1,000,000. It is an ideal plan for individuals in good health who need a simple and fast application process. Coverage starts immediately when you are approved.
Preferred Elite Life
Preferred Elite Life offers coverage of up to $1,000,000 to individuals in very good health who want coverage quickly at a very good rate. Coverage starts once you are approved.

Term Life Insurance
This plan offers life insurance protection for a maximum period of 30 years. It is an ideal plan for when you need coverage for a certain period, such as your child's education or mortgage.
This plan has the following sub-plans:
Deferred Elite Term Life Insurance
This plan is best for many hard-to-insure Canadians. It provides coverage of up to $350,000 for people with minor health conditions or who have been previously refused insurance.
Simplified Elite Term Life Insurance
If you are relatively healthy or engaged in extreme sports, this plan is for you. It provides full protection with coverage of up to $500,000.
Preferred Term Life Insurance
It is a quick, reliable coverage for applicants in good health condition. It provides coverage of up to $1,000,000.
Express Elite Term Insurance
This plan is ideal for Canadians of ages 18 - 60 who are in good health. It is a reliable plan that offers coverage of up to $750,000, and no medical is required.
Preferred Elite Term Life Insurance
If you are in good health and need term insurance coverage quickly, this plan is for you. You receive coverage of up to $1,000,000.

How ivari Insurance Works

Universal Life Insurance from ivari will provide you with money while you are alive. You can use the money in many ways, such as to increase your retirement income or cover disability cost. In case of death, your beneficiary will be paid a tax-free death benefit. The benefit can be used to cover final expenses, pay any taxes, or secure the future of your loved ones. If diagnosed with a life-threatening illness or injury with a life expectancy of fewer than 24 months, you can take a loan against your death benefit. In the event of work disability or long-term care, your retirement savings will be protected.

How Canada Protection Plan Works

The Permanent Life Insurance plan will protect you throughout your lifetime. Whether you are healthy, injured, or seriously ill, you will receive money to cover your medical bills. Other expenses such as final expenses, funeral costs, and outstanding debts will also be covered. In case of cancer, diabetes, or heart condition, your expenses will be covered. In case of death, a death benefit will be paid.

The Term Life Insurance plan will cover your expenses for a maximum of 30 years. You can use the money to cover your child's education or mortgage. In an event of a minor health condition, you will receive up to $350,000. If you play extreme sports, you will receive full protection for the period specified in your policy agreement. Death benefit is also available.

Which is Better?

Both CPP and ivari Insurance provide excellent insurance plans. However, Canada Protection Plan offers more coverage and plans compared to ivari Insurance. Nevertheless, Let's take a look at the advantages and limitations of the plans provided.

Pros of ivari Insurance and Canada Protection Plan

Both insurance companies offer great insurance plans and no-cost benefits.

CPP has plans that don't require a medical exam or doctor's report.

Canada Protection Plan offers more free benefits compared to ivari.

ivari Insurance offers waivers as part of their rider plans.

Cons

ivari Insurance does not have many plans compared to CPP.

ivari Insurance has fewer free benefits compared to the Canada Protection Plan.

Canada Protection Plan and ivari Insurance have excellent life insurance coverages; however, Canada Protection Plan comes on top. CPP provides more life insurance coverage and more free benefits.

If you're looking to get quotes from top insurance companies in Canada, please use the Get Quotes button above to reach out to Insurance Direct Canada - a premier insurance broker in Canada.

At Best Insurance Online, we also have reviewed many good insurance companies for your further insurance: iA Financial Group review, CIBC Insurance review, TD Insurance review, Canada Protection Plan review, and more.

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Canada's Life Insurance Comparison: ivari vs. Canada Protection Plan

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Are you aware that having a life insurance plan protects your loved ones in times of unexpected events such as disability, injury, critical illness, or death? Exactly! With a life insurance plan, you can provide financial security for yourself and your loved ones.

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Typically, life insurance plans require you to take a blood test among required steps and certifications. The cost of an insurance policy can vary depending on the blood test results. Things as common as blood pressure issues can affect your life insurance premiums. Is it possible to get a policy without a blood test?

How does a blood test affect buying insurance?

When the insurance companies ask the candidates to take a blood test, they usually look for high blood pressure, signs of drug use, cholesterol levels, and blood glucose levels. If the blood pressure, blood sugar level, or cholesterol, among other things, vary from the standard limit, it is likely to increase the cost of insurance premiums.

The ideal conditions include:

Having cholesterol of 220 with an HDL ratio of 4.5 or less.

Having blood pressure under 130/80.

No traces of any drugs in the body.

A blood test enables the insurance provider to gauge the risk they are undertaking and charge you accordingly. However, if you are aversive to invasive methods or wish to avoid taking a blood test, you can choose an alternate option.

Can I get no blood test life insurance in Canada?

If you are aversive to invasive methods like taking a blood test but still want to get life insurance, you might find yourself asking the above question. The answer is yes. There is a way to get no blood test life insurance in Canada. It is called simplified issue life insurance.

What is 'simplified issue life insurance'?

Simplified issue life insurance is also called a no-medical life insurance policy. As the name implies, it does not require you to take a medical exam; instead, you are just required to fill out a short and standardized questionnaire. The premiums of simplified issue life insurance can be higher as the insurance company takes more risk than when it requires a medical exam.

Simplified life insurance is a straightforward and quick method to provide you with insurance coverage. If you are a Canadian looking for a hassle-free and delay-free method to get insurance, simplified life insurance is what you need.

Key benefits of getting a simplified life insurance policy

It does not matter if you are doing a high-risk job; you can still get simplified life insurance.

You can get simplified life insurance even if insurance companies have rejected you because of your health issues.

If you are scared of needles or do not feel comfortable sharing your medical records, simplified life insurance is the answer to these problems.

Simplified life insurance is an excellent option if you face a time restraint and cannot wait for the result of medical exams and other processes required by other types of life insurance.

How to get the best Simplified Life Insurance in Canada?

Companies that provide simplified life insurance require you to fill out a simple, standardized questionnaire without medical underwriting. Various tools and software online allow you to fill in the essential information in the questionnaire and show you insurance quotes from different insurance companies in Canada.

To find the best insurance plan, we will advise you to use such software and use it to compare your options. You will find those different companies asking for different monthly and yearly insurance premiums for the same amount of information. Your first task is to determine what amount of an insurance premium will be the most feasible for you and shortlist the insurance companies within that range.

Once you have decided on the insurance premium amount, you are willing to pay. The next step is to take a look at the purchasing process. You will find that some companies have a more transparent and simplified insurance purchasing process than others. We adopt a customer-first approach when it comes to selling insurance and make sure that our customers are well-guided and aided through the process of buying insurance.

Insurance quotes

To give you a better idea about insurance premiums in Canada for getting simplified life insurance, the following are a few insurance quotes offered by different insurance companies in Canada. The amount of premiums can vary with gender, age, and the quoted health status. The following premiums are calculated for a 35-year-old male, a non-smoker who lives in Ontario and wants to apply for an insurance amount of $500,000.

Get your Canada insurance quotes and personalized insurance plan, advice by contacting Insurance Direct Canada now.

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Typically, life insurance plans require you to take a blood test among required steps and certifications. The cost of an insurance policy can vary depending on the blood test results. Things as common as blood pressure issues can affect your life insurance premiums. Is it possible to get a policy without a blood test?

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Are Employee Benefits Necessary in Canada?

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Are Employee Benefits Necessary in Canada?

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Nothing is more important than the people working within when running a business or managing an organization. Finding the right people for your organization usually requires offering something beyond just the basic salary. But if you’re running a small organization, you may wonder if employee benefits are essential.

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How to Save Money on Insurance and Lower Your Premiums in Canada?

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How to Save Money on Insurance and Lower Your Premiums in Canada?

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Rates of premium for every type of insurance depend on the primary risk factor; the higher the risk, the higher the premium. Insurance companies consider many factors to calculate the risk premium, which determines the cost of your insurance policy. However, there are a few ways to take some charge of the cost and save money on insurance in Canada.

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Life insurance can be an important consideration if you want to protect your family's financial future in the event of your untimely passing. But with vast numbers of providers out there, how do you choose which company to work with? What are the best life insurance in Canada? Our guide will teach you everything you need to know about choosing the right insurance policy.

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Life Insurance: How Can I Pick The Right Coverage Amount?

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Life Insurance: How Can I Pick The Right Coverage Amount?

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It is quite easy to make the decision to buy a Life Insurance policy in Canada, because the benefits that insurance brings in the present and future are as clear as a bear. Let us name some briefly: Life Insurance Coverage is a tax-free pay-out to help your loved ones to settle living costs or remaining debts when you pass away, Life Insurance Coverage can be a coverage for your illness in the future or your ideal Aid retirement plans.

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Pros And Cons Of Having A Long-Term Care Insurance Policy In 2022

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Pros And Cons Of Having A Long-Term Care Insurance Policy In 2022

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Buying long-term insurance depends on the needs of each person. Also, it depends on your finances, work, health, age, and more. However, if possible, we encourage you to purchase long-term care insurance, insurance companies will have policies to protect you from unnecessary risks.

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5 Top Factors That Might Affect Your Life Insurance Premiums

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5 Top Factors That Might Affect Your Life Insurance Premiums

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Life insurance premiums are calculated by the insurance company before you enter a contract with them. The interesting point about insurance premiums is that people pay a different amount, even if they sign up for the same coverage. While how each company calculates your exact premiums will have to depend on their own internal policies, there are certain known factors that will have a huge influence on your premiums.

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Details About Travel Insurance, And Why Is It Necessary?

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Details About Travel Insurance, And Why Is It Necessary?

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Insurance companies provide various insurance policies for their clients, and travel insurance is one of them that helps to cover some unexpected financial losses. This travel insurance is available for both domestic and international travel. Most ticket booking sites and other agencies will help people get their travel insurance while booking their tickets for their trip.

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Health Insurance can viably save an individual against unwanted medical expenditure. It can help one to have a better tomorrow because all the required medical expenditures are necessarily managed by the insurance company. Any individual is exposed to a lot of risk in the absence of Health Insurance. Similarly, if you are an employer and have a number of individuals working in your company, A group health insurance plan is a must.

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Group Insurance Versus Individual Insurance; Which One Is Better

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Group Insurance Versus Individual Insurance; Which One Is Better

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There is a Paradigm shift in the increase of medical expenses not only in Canada but in the entire world. The smaller families are more health conscious and have a total focus on having a secured future. An insurance policy can save one against a lot of medical expenses that would have been otherwise killing. Both group insurance and individual insurance have a similar impact in much way.

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How Essential Is Corporate Insurance For The Companies?

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How Essential Is Corporate Insurance For The Companies?

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Now everyone is surviving in a competitive world, so to achieve the things you prefer, you must take all the necessary actions for it. Otherwise, under challenging circumstances, you might not be able to safeguard yourself from it. There are ways available for the individuals to prevent their company from the risk factors such as protecting against disasters, theft, accidents, financial losses, health benefits of employees and many more. When you wonder what the solution is, then it is corporate Insurance.

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Easy-to-Follow Insurance Mistake Avoidance Guide (2022)

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Easy-to-Follow Insurance Mistake Avoidance Guide (2022)

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Most people don’t give the insurance process much thought until they get involved in an accident, or a need emerges. However, insurance is one thing you should regularly pay attention to from a financial perspective. Most people don’t realize that some mistakes could make them pay more for insurance than necessary. The minimum represents what is expected of you to drive without getting into trouble with the government. But because it covers only the primary insurance, you may have to pay out-of-pocket later and deplete your finances. The solution will be getting comprehensive insurance coverage that ensures sufficient insurance cover for your car and meets other associated needs.

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What Are The Benefits Available With Group Insurance Plans?

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What Are The Benefits Available With Group Insurance Plans?

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The group insurance scheme is for people who work under an employer. Most companies in Canada provide these group insurance options for their workers. The group insurance plans for Canadians are available in different kinds, and each one is suitable for all kinds of employees. A person who works as a full-time worker in a company is eligible for this group insurance.

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6 Best Travel Tips For International Travelers

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6 Best Travel Tips For International Travelers

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Travel insurance policies are generally quite inexpensive, but they are extremely helpful in times of need. These policies will cover medical costs in case you land in the emergency ward of a local hospital. Some might even cover the cost of transporting you from the site of the accident to the nearest medical center. With travel insurance, you will not have to worry too much about medical expenses.

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Best Group Health Insurance for Employees and Factors to Be Considered In

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Best Group Health Insurance for Employees and Factors to Be Considered In

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Best Group Health Insurance for Employees and Factors to Be Considered In by Best Insurance Online

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Insurance could be a future lifesaver during the hardest times, and it’s something worth some serious consideration. And if you’re thinking of getting insurance, your first concern might be the right ...

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Impacts of Choosing Employee Insurance Plans

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Impacts of Choosing Employee Insurance Plans

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Workers are the most significant resources of companies and associations. Working environment mishaps can't be kept away from or anticipated. Henceforth, furnishing a protected workplace alongside worker protection insurance for your representatives is basic.The most extraordinary aspect of the Employee Insurance Plan is it offers advantages to the two bosses and representatives. Regardless of the size of your association, benefits of Employee Insurance Plans continue as before for different kinds and sizes of organizations excepting specific agreements.

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Take The Group Benefits Plan For Businesses

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Take The Group Benefits Plan For Businesses

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Group health insurance plans are the most effective choice among companies and organizations, and even it can be offered to their members or employees. Most importantly, groups can purchase the plans, and individuals cannot buy coverage through these plans. Before going to get the Plans, it is essential to learn the Group Benefits Plan for Businesses.

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What Is The Necessity Of Comparing Insurance Policies?

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What Is The Necessity Of Comparing Insurance Policies?

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Financial support is essential for every human being to meet the sudden accidental expenditure. Insurance policies help individuals to face economic needs in emergency conditions. Several insurance policies are available, and each remains specific in its ways.

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Importance to Know In an Organization and Corporate Business Insurance

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Importance to Know In an Organization and Corporate Business Insurance

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Corporate insurance is the one in which the respected organization will manage and recover your losses. Corporate insurance health plans are a composite for any corporation or small business. Such plans present a guarantee that the employee would be insured for medical amounts and cures. Furthermore, the compensated charge is normally really cost-effective and less expensive than individual health insurance policies.

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Individual Life Insurance vs. Group Life Insurance (1)

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Contact Your Car Insurance Agent or Deal With The Guilty Party Directly?

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Contact Your Car Insurance Agent or Deal With The Guilty Party Directly?

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It is unwise to deal with the “at fault” driver’s car insurance company. It’s your insurer who will help you make the best of your insurance. A few months ago, Laura – one of our customers, contacted us for help. She had a car accident then. Her car got hit, and some parts of it were heavily damaged. Thanks to the call with us, she was later able to get the money to pay for her car repair. Visit the website to compare insurance plans.

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5 Tips To Help You Get The Best Travel Insurance Policy

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5 Tips To Help You Get The Best Travel Insurance Policy

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When you are traveling abroad, there are many risks that could cause serious problems. This includes sudden cancellation of your flight, loss of luggage, falling ill abroad, etc. Thankfully, all these risks can be reduced through travel insurance. Getting the best travel insurance policy will help you travel without any worries knowing that you are protected.

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10 Common Travel Insurance Questions and Answers

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10 Common Travel Insurance Questions and Answers

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Imagine yourself walking down the street from your hotel for some fresh air and some fill of the beautiful scenery. You twist your left ankle or injure yourself from a fall out of the blues. Your biggest worries will include obtaining medical help; you may not even speak the prevalent language. Like any other unexpected incident, this is a convincing reason why investing in travel insurance is a logical idea.

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Insurance is likely to be the last thing on your mind but it will definitely be the first thing on your mind in the event of an accident or natural catastrophe. Best Insurance Online aims to provide Canadians with the most current insurance information. Stafford states that you must have a complete picture of your financial situation before you can determine what type and how much life insurance you need.

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Are Seniors Over 60 Spending Too Much on Life Insurance?

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Are Seniors Over 60 Spending Too Much on Life Insurance?

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Getting life insurance at a young age is a common practice nowadays. It’s a great way to provide security for your family and loved ones if you pass away. But what if you’re already a senior? Is it still okay to get insurance even at the age of 60? How much should you be spending?The answer to that is YES. It is okay for seniors to get life insurance. You can still benefit from it even if you’re already 60 years old or above.

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Estate planning is much more than simple will writing. Although will writing is an integral part of it, estate planning involves decisions about your health, finances or more in the event of your death or incapacitation. Ideally, it would be best if you started estate planning as soon as you become an adult and then keep updating it regularly or as per need.

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Estate planning is much more than simple will writing. Although will writing is an integral part of it, estate planning involves decisions about your health, finances or more in the event of your death or incapacitation. Ideally, it would be best if you started estate planning as soon as you become an adult and then keep updating it regularly or as per need.

An estate plan does not only determine what happens to your assets after you die but also involves other important things like transferring power of attorney and trust. The person you give power of attorney to will be eligible to make legal decisions for you in case of your incapacitation or death. A trust takes care of money management on behalf of your beneficiaries. Apart from deciding how your property will be divided among your beneficiaries, you can also include a whole business succession plan in your estate plan.

As so many important decisions depend on your estate plan, it is essential to make sure that you make it the right way. To help you do this, we will discuss the five key elements that every estate plan should include in this article. These elements serve as a solid basis for a complete, compact, and easy to administer plan. When somebody departs, how the assets that a deceased has left should be distributed becomes crucial. Also, beneficiaries should be aware of what happens to the assets you leave them in the event of your death. Likewise, there is a need of fulfilling legal obligations. To deal with such a situation, an estate plan comes in handy.

It is necessary to incorporate the names of beneficiaries. Not dealing with the issue relating to the estate can at times lead to protracted conflicts. So, establishing the guidelines for distributing one's property, stocks, and other assets after death is a wise thing to do. An estate plan normally includes a last will and testament, living will, power of attorney, medical directive, and anything else related to your legal situation.

Will

The use of wills is a long-standing tradition in the United States. 'Will' is a crucial legal document that dictates what should happen to your assets after you die. For a will to be valid, it's required to be signed by two parties who are present when the will is made and two people who are not beneficiaries of the estate or receive gifts under conditions stated in the will.

Wills are governed by state law, so the forms are different from one state to another. However, all wills have certain elements in common. The most important one is that they are not just about what happens to your property when you die, but also how and where you would like to spend your final days or where you want to be buried or cremated. You can change or revoke a will at any time before it becomes effective by making a new one and executing it.

Trust

A trust equals a guarantee and gives the trustee an exclusive right as to when and who should receive the property or an asset.

Revocable trust

A revocable trust is a trust created during the grantor's lifetime, with an agreement that it can be revoked at any time. It is different from irrevocable trusts because the grantor has the right to change or revoke it at any time. A revocable trust is an agreement created by one person for their own benefit that they can change or revoke at any time.

Irrevocable trust

A person can irrevocably trust another person with their money or property. The person who is given the money or property is called a trustee. The person who gives the property to the trustee is called a donor. The trust is not legally created unless the donor has made some formal declaration of it in writing, said nothing to revoke it, and done nothing to change his mind about what he had done.

Trust law is one of many areas of law that are affected by advances in technology. One example would be banks that allow beneficiaries to access their online bank accounts using a mobile device rather than a traditional card and PIN combination for authentication purposes.

Power of Attorney

'Power of Attorney' is important in making a proper estate plan. He is entrusted with managing the whole process in the wake of any ups and downs in an owner's life. He is given the right to intervene where it is necessary. He is critical in the authorization to carry out any business activity associated with the estate.

The onus lies with the immediate relative in the absence of power of attorney. In a case of a married couple- with the demise of one, the designations automatically fall on the spouse. Also, the court may intervene under such circumstances to specify a guardian.

Health Care Directive

An individual's health care directive is a document that outlines an individual's wishes for their health care in the event of any medical emergency. These documents are often referred to as living wills but can also be called advance directives, among other terms.

The directive will require the individual who creates it to designate someone to make decisions about their medical treatment if they can no longer do so themselves. The designated person will be called the agent or proxy. This document can be legally binding if written correctly and signed by two witnesses, but it still needs to be filed with the state before it becomes enforceable.

Beneficiary Designations

It is necessary to make sure that the plan is up to date in terms of beneficiary designations. This part of the plan is instrumental in ensuring who is endowed. In layman's terms, the one who will be the beneficiary after the demise. Beneficiary designations sometimes appear more important than others and require review regularly. You should review these designations at least once a year.

These five elements are necessary to make a compact and concise estate plan. In the first place, having a plan makes things easy to manage. In addition to that, the plan serves as a sole source on the basis of which your desires will be carried out. Since the importance of an estate plan is second to none, concerned persons and stakeholders should maintain it regularly. Estate planning attorneys should be kept abreast with the advancement and changes in will, desires, and plans.

Insurance Direct Canada - one of the most trusted insurance brokers in Canada can assist you on building a good estate plan. Visit Best Insurance Online for more related articles.

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Estate planning is much more than simple will writing. Although will writing is an integral part of it, estate planning involves decisions about your health, finances or more in the event of your death or incapacitation. Ideally, it would be best if you started estate planning as soon as you become an adult and then keep updating it regularly or as per need.

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Tips for Using Health Insurance to Cover Braces

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Tips for Using Health Insurance to Cover Braces

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Many people may be hesitant to wear braces due to the expensive expenses. The good news is that health insurance can help cover some costs. People have a relentless pursuit of perfect appearance, which cannot do without a bright, stunning smile. Owing to this, lots of Canadians choose to wear braces. In fact, according to the Canadian Association of Orthodontists, about one out of four brace-wearers is over 21.

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Benefits of Cheap Car Insurance in Canada

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Benefits of Cheap Car Insurance in Canada

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You will come across different cheap car insurance plans from time-to-time. You will also see that the premium that you will be paying ranges from cheap to expensive. How will you acknowledge which is the right policy for your vehicle? If these are the questions going through your mind, then it’s time to understand how an insurance works and how will you benefit even if you take a cheap insurance policy for your vehicle.

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Insurance brokers are intermediaries who can help connect you to an insurer and help you find the best insurance policy. Working with one of the best insurance brokers of Canada can help you get a life insurance policy that caters to your specific requirements. A question that may have come up in your mind is whether you really need an insurance broker? Can you do without an insurance broker?

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How To Get Corporate Insurance in Canada?

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How To Get Corporate Insurance in Canada?

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Everyone needs insurance, whether it’s an individual going about their daily affairs or a company trying to make a profit. Insurance helps to protect against future uncertainties, and for companies, it enables them to manage business risk. But getting insurance can be tricky. So, how do you get corporate insurance in Canada?

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Insurance is one of the most integral aspects of today’s world. Adverse situations do not arrive in your life with proper warnings. So, you always need to prepare to take care of any and every type of unfavorable situation. And, a place like Canada, where you can live your best life, offers you several insurances that help you deal with these situations. But, what are the common insurances in Canada?

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All You Wanted To Know About Travel Insurance

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All You Wanted To Know About Travel Insurance

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Travel insurance Canada is a type of insurance that offers protection to travelers. When you travel abroad, there are many potential risks that can lead to losses. Your return plane trip may get suddenly cancelled leaving you with additional airfare to buy. Loss of baggage, a sudden illness or accident leading to hospitalization, and death are risks that can cause serious losses.

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Foresters Financial Insurance Company Review

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Foresters Financial Insurance Company Review

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Foresters offers an array of life insurance policies and the potential to earn annual dividends. There are also complementary riders to customize your coverage. Foresters Financial has provided wealth accumulation and protection products for over 135 years. Foresters Financial is a division of the Foresters family, including multiple companies, such as Foresters Canada, Foresters Life, Foresters Investment Management Company, Inc., Foresters Investor Services, Inc., etc.

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| When you are buying insurance, there are two ways of doing it. One is to directly buy from the insurance company. The other is to buy through an insurance advisor. This holds good whether you are buying life insurance, health insurance, or any other type of insurance.

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When you are buying insurance, there are two ways of doing it. One is to directly buy from the insurance company. The other is to buy throu...

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Comparing Insurance Policies: The Why And How

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Comparing Insurance Policies: The Why And How

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When you are buying life insurance you need to compare insurance policies before you make the purchase. Whether it is life insurance or any other purchase, it is always prudent to look at different options before you spend your money.

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6 Tips on Buying Snowbird Travel Insurance in Canada

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6 Tips on Buying Snowbird Travel Insurance in Canada

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Before your trips to warmer regions, Snowbird Travel Insurance is one of the important things to cross your checklist. Here are some tips to help you buy the most suitable Snowbird Travel insurance policy in Canada. Cost is one of the critical aspects we need to consider when buying an insurance policy. But it doesn’t mean that you need to focus on the policy’s cost over everything else. On the other hand, it is not advisable to buy an insurance policy with highly extensive coverage unless the price is reasonable.

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The Ultimate Guide to Corporate Insurance

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The Ultimate Guide to Corporate Insurance

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In the competitive business world in Canada and anywhere else, staying covered is a very cardinal thing to do. From protecting your assets to ensuring that you’ve got a financial safety net, there are several reasons why you should consider getting insurance for your company. So, what exactly is corporate insurance, how does it work, and how do you choose right? We’ll show why your company needs it, what you stand to gain from investing in the process, and how to find the best of all when searching for an insurance broker.

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Snowbird Travel Insurance: 8 Reasons Why You Shouldn't Leave Home Without It

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Snowbird Travel Insurance: 8 Reasons Why You Shouldn't Leave Home Without It

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Snowbird travel insurance has become more and more popular among travelers in recent years. As the name implies, it's designed to cover medical bills, travel costs, and other expenses if you suffer an injury or illness while on your trip. So what are some of the top reasons why you should make sure you have snowbird travel insurance? Below, you'll find eight great reasons to buy this type of policy before you take off on your next vacation, no matter how far away it is!

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What Are The Compulsory Employee Benefits In Canada?

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What Are The Compulsory Employee Benefits In Canada?

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We all have heard that Canada is one of the best countries to stay. But, what are the reasons behind it? The reason is that the citizens of any other person who steps in this country are impeccably taken care of. And when it lands to take care of the employees, there is no uncovered area. Under the employment insurance benefit, an employee can receive up to C$573 per week. And the period has a maximum range of 14 to 45 weeks.

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Are Corporate Life Insurance Proceeds Taxable?

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Are Corporate Life Insurance Proceeds Taxable?

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When most people think of life insurance, they automatically imagine a policy taken by a person to replace a source of income or cover certain costs after the insured’s death. Since individual life insurance is tax-free, one might wonder if the same applies to corporate life insurance. The tax implication of corporate life insurance is quite complex.

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What Benefits Do You Get From Being A Snowbird In Canada?

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What Benefits Do You Get From Being A Snowbird In Canada?

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Although some Canadians live north of Toronto, many others flock to warmer states when winter sets in. They are known as snowbirds. Snowbirds can get insurance coverage while they're at their summer homes, but if something should happen while they're away on a trip, that policy won't cover them. But thankfully for those who take annual trips south for months at a time, there is a solution: snowbird insurance.

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Tips To Keep In Mind While Buying Travel Insurance

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Tips To Keep In Mind While Buying Travel Insurance

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Are you traveling abroad? Then you would have probably decided to buy travel insurance. When you are traveling risks like trip cancellation, loss of luggage, illness, etc. can cause serious problems. Having travel insurance can mitigate these risks. Buying travel insurance from one of the best insurance companies in Canada will ensure you have a trouble-free journey.

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What Is The Purpose Of Corporate Insurance?

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What Is The Purpose Of Corporate Insurance?

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Life is full of uncertainties. And we can do nothing to change this irreversible fact. But what we can do is set up strong shields to face the inevitable situations in our lives that are sometimes quite tough. Corporations often are faced with downfalls and low rates of production, demand, or supply. The only aspect that can help them pull through is financial support in such a situation. Therefore, here corporate insurance offers the corporation the required funds for tackling their loss problems.

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A Millennial’s Guide to Buying Life Insurance

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A Millennial’s Guide to Buying Life Insurance

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Life insurance might not be the biggest concern for millennials, but it can be a good idea to think ahead about life insurance and what you should expect out of it. Because millennials have a different mindset from senior citizens, their approach to life insurance can be a bit different. If you are a millennial interested in buying life insurance, this short buying guide will provide all the essential information you need.

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If you're a small business owner, you may be wondering what is corporate health insurance. This type of health insurance is designed to cover multiple employees at a company. Like individual health insurance, corporate health plans are offered in a number of forms. These include hospital only coverage, extras-only coverage, and a combination of both.

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What Is Whole Life Insurance and How Does It Work?

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What Is Whole Life Insurance and How Does It Work?

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If you're a parent, you'll want to be certain you have adequate life insurance coverage to safeguard your loved ones. It's reassuring to know that your mortgage or your children's education will be taken care of if you can no longer do so. The concept of Whole life insurance, Canada stands at the top in adopting this policy. There are some best insurance companies in Canada that you can look up to get the best offers to protect yourself and your family.

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Understanding All About Mortgage Life Insurance

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Understanding All About Mortgage Life Insurance

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When you want life insurance, you would get it from a good insurance broker Canada. Did you know that you can get insurance from a mortgage lender? This type of insurance is called mortgage life insurance and is linked to your home mortgage.