Are you a conservative investor who is tired of seeing the returns generated by GIC’s reduced by inflation and taxes? Or are you a small business owner who wants to make sure your personal savings remain protected in the event of bankruptcy? Perhaps you are in poor health and want to make sure your savings are there for your loved ones should you pass on. In all of these cases, you could benefit from investing in Segregated funds this RRSP season.

I always get requests for group benefit quotes with the expectation that I can give a quote instantly. Unlike, an individual health benefit or life insurance quote this is unfortunately not the case. The process does take quite a bit longer. Especially if you want to find the insurer that is the best fit for your industry/company.

Don’t want to pay for life insurance for the rest of your life? Well, you are in luck, there is a paid up solution. It is a fully guaranteed limited-pay policy. The premiums are due for a 10 or 20 year period at which point the policy is fully paid up.

As you probably know, life insurance is important to help your loved ones cope with the financial obligations that arise following your untimely death. However, you may find the selection process for life insurance to be long and arduous. We have a solution that might interest you.

No Medical Life Insurance

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.