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In recent months, investment firms dedicated to attracting do-it-yourself investors have been running television commercials about how financial advisors are sleazy, smug business people who are only looking out for themselves at the expense of their clients. The advertisers do a wonderful job at suggesting that people shouldn’t be dealing with a [...]
Most of us know relatives or friends who were diagnosed with a life-altering illness and the enormous impact that it had on their lives and the toll it takes upon the family. However, as a financial advisor, I must be able to see the silver lining and how my profession supports the [...]
As a dashing young man, if there is one thing I know - it’s women! Furthermore, speaking as a financial advisor, if there is one thing I know about women, it’s that they need to be better prepared financially for a critical illness. Before I explain why this is especially important to [...]
Kusum Sen, BA, CHS, Financial Advisor's article on Estate preservation - Desjardins Financial Security Independent Network (DFSIN) Ryan Daniels, Regional Sales Director, Desjardins Insurance1, Good estate planning goes far beyond deciding who gets what; it speaks to the passion for giving and sharing. Whether your passion is to provide for those in [...]
One of the more recent trends to appear in the age of social media is people opening their hearts and wallets to donate to strangers after they hear a heart-wrenching story on the news. The occurrence is becoming more and more common… a tragic story is broadcast on the news or on [...]
“It’s Patrick. He took out life insurance…Good for you, son.” If you were a child of the 1990s like me, you will no doubt remember the iconic lines of one of the most run commercials on the air in the late 80s and early 90s that was mixed in between episodes [...]
The one thing to know about workplace life insurance is that it has an expiry date: the day you stop working for this employer. So, the most important factor to consider is, how long do you want your coverage to last? If you retire at age 65 your workplace life insurance plan [...]
Off the top, permanent insurance seems like the better deal. Let’s put it this way, it’s a more robust product and because of this the price is higher. But they both have their value depending on your need. Many people consider purchasing a blend of the two.
Unlike term insurance, permanent insurance is meant to cover you for your entire life; hence, it’s “permanent”. There are two payment options. First, you can pay for the rest of your life (until age 100). This is the cheaper option, but I know what you’re thinking…. for the rest of my life??? [...]
Many people most often ask me an apparently simple question: “Why do I need life insurance?” Let’s see if I can answer this question without boring you to death. Sorry, bad life insurance joke. Why do I need life insurance? Put simply, life insurance is meant to replace the income that you [...]
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West
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