Forward Thinking Insurance

https://www.cp24.com/news/money/2026/02/11/42-per-cent-of-canadians-dont-have-life-insurance-survey/

42 per cent of Canadians don’t have life insurance: survey With the rising cost of living, more Canadians are finding it difficult to pay the bills each month, and a new survey has found that many are going without life insurance as a way to save each month.

Looking for group benefits?
Customized packages with everything you need to keep your employees healthy, working and committed to your business success. Reach out for more information and to get a quote.

Workplace health can be essential to the long term success of your business. Consider adding or updating an affordable, sustainable group benefits plan that protects the health and well being of your employees and their families, which can help increase productivity, keep staff working, engaged and fulfilled.

To get started on a new group benefits plan or to upgrade your current one, please contact me.
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The underwriting process is what insurance companies undertake to analyze an applicant’s risk profile and provide coverage at accurate premium costs.

This process can vary from carrier to carrier and include medical and financial assessments. Some applications may be quick, and some may require more information to satisfy the underwriters and lead to more time to come to a decision.

Reach out to find out more and get some tips to minimize any potential issues that may be flagged during this process.
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If you are a business owner and have employees, it is wise to put in place a group benefits plan.

Equitable Life of Canada recently announce that it is launching a new group benefits solution designed for small businesses (up to 25 employees). This includes dental, health and life insurance with different coverage levels. It also includes assistance programs and a wellness portal, with human resource support tools.

We can help you get started and choose the right package for your business, and help take care of the day to day needs of people that can arise. Reach out to learn more.
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Critical illness insurance can provide options, choice and independence. It also can reduce stress and potentially speed up recovery.

More Canadians are surviving an initial major health event (cancer, stroke, heart attack) and require time away from work to recover.

A benefit can pay for out of pocket costs for meds, replace lost income, hire some extra help, and most importantly give peace of mind so that the focus can remain on recovery.

Critical illness insurance plans have decreased over the years in price. There has never been a better time to be proactive and obtain some coverage to protect you and your family in the event you become ill.
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Paperwork errors when filing life insurance applications can potentially cause carriers to deny claims.

Make sure to work with a qualified advisor that can look over all of your paperwork to ensure that you have everything in correct order so that when it comes to make a claim, there are no potential issues.
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As we all know, things in life can change quickly. Our goals, our needs, our responsibilities.
Perhaps when you obtained your life insurance policy, your needs were different than they were today. You may have a term policy that needs more coverage. You could need to convert your coverage to a permanent policy.

Whatever the case may be, it is always a good idea to go over your most recent needs with your advisor.
Reach out anytime to go over your circumstances and see if changing your policy is something to consider.
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Life insurance can provide financial protection and living benefits for adults of all ages, including seniors.

Some seniors may avoid applying for life insurance because they assume it would be unaffordable and difficult to be approved with intrusive medical exams.

However, there are a variety of products available to them that can be more affordable and avoid medical exams.

Reach out to learn more and see if you can help a senior in your family get the protection they need.
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When applying for life insurance, your application first undergoes the underwriting process. The underwriters base their decisions on your answers from the application (mostly regarding health history and risky behaviours) which then determines your potential approval, premiums, and any exclusions.
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Pre-existing conditions are health conditions that can impact one’s life expectancy and can be something that requires special attention and care on an ongoing basis.

Many insurance carriers can require those with pre-existing conditions to complete a medical exam and face potentially higher premiums, but ultimately approve a policy.

Providers have options for those with pre-existing conditions and your advisor can help you determine which type of policy works best for you despite your medical circumstances.
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