Remember the deadline for RRSP contributions for fiscal year 2011 is Wednesday, February 29th, 2012.

When you get a life insurance quote, you may get confused with the age displayed on the illustrations. You may come across one of two ways of calculating your age;

1. Actual age
2. Age Nearest Birthday

Did you know that 50% of those aged 65 and over will require long-term care in their lifetime* and many will receive their initial care at home and later in a facility.

Psychological impacts of the care, loss of dignity and stress will change the lives of your family and loved ones forever.

Who will take care of you at home?

Yes, that’s right. The Empire Life Solution Series of term life insurance products provide coverage for customers for as long as they live. And it gets even better.

We are pleased to advise that we have travel insurance online available through Manulife Financial.

Good credit is valuable. Having the ability to borrow funds allows us to buy things we would otherwise have to save for years to afford: homes, cars, a college education. Credit is an important financial tool, but it can also be dangerous, leading people into debt far beyond their ability to repay. That is why learning how to use credit wisely is one of the most valuable financial skills anyone can learn. Begin by opening individual savings and checking accounts in your name.

Here are some good reasons why you may want to consider joining your Group RRSP plan at work;

Follow these steps to buy Life Insurance:

If you are buying a new policy to replace one that you have, do not cancel the old policy until you have your new one in place.

It seems as if it is next to impossible not to be stressed in today’s world. With the state of the economy, plummeting valuation of our investment portfolios and job loss, most of us do not have to think too hard for a reason to be stressed. Stress is simply a fact of nature—forces from the outside world affecting the individual. Although we normally associate stress with negative events, stress comes from both the negative and the positive things that happen to us.

Stress becomes a problem when we are not sure how to handle an event or a situation. Then worry sets in, and we feel "stressed." Our reaction to stress can affect our mental and physical health; so it is important for us to learn how to deal effectively with stress as it occurs. When we find an event stressful, our bodies undergoes a series of changes, called the stress response. There are three stages to this response. First our bodies’ releases adrenaline, which makes our hearts beat faster, and we start to breathe more quickly. Then our bodies’ begins to release stored sugars and fats from its resources. At this stage, you will feel driven, pressured and tired. As a result, the body's need for energy will become greater than its ability to produce it, and we will become chronically stressed.

So you received a life insurance quote, met with a life insurance advisor and completed the application, the next step with many life insurance applications is to get an insurance medical examination. Here are some guides from two of the paramedical companies we use, Medaxio and ExamOne.