The knowledge base
Plain-English answers, written by a licensed advisor.
No jargon, no content-farm filler. Every article is reviewed and signed by the person who would actually place your coverage.
What disability insurance actually costs when you're self-employed in BC
Self-employed disability insurance in BC typically runs 1–4% of the income you're protecting per year, depending on occupation class, age, waiting period and benefit period. Here's what drives the price and how to control it without gutting the contract.
How to cancel mortgage creditor insurance in Canada (and the one mistake that leaves you uncovered)
Optional mortgage creditor insurance can generally be cancelled — but the certificate controls the process. The safe sequence: replacement coverage in force first, cancellation in writing second.
Broker vs. bank vs. online aggregator: who should you buy life insurance from in Canada?
Compare life-insurance buying channels in Canada by product access, advice, underwriting support, contract review and ongoing service—not price alone.
Mortgage creditor insurance vs. term life in BC: compare the contract, not only the price
Compare optional mortgage creditor insurance with personally owned term life, including ownership, beneficiaries, portability and underwriting.
Own-occupation vs. any-occupation disability insurance: the clause that decides your claim
Understand how own-occupation, regular-occupation and any-occupation definitions can affect disability coverage. Contract wording varies by policy.