What Happens if I Outlive My Term Life Insurance?
Unlike permanent life insurance, term life insurance only lasts for a pre-set period, usually 10, 20 or 30 years. If you die within that period, your beneficiaries receive a death benefit. However, if you outlive your term life insurance policy, the policy expires, and you receive nothing. That is, unless you had opted for specific […]
Group Benefits vs. Health Spending Accounts (HSA): Which is Better for Your Team?
41% of Canadians receive benefits through an employer plan, whether that be through group benefits, health spending accounts, or a combination of both. But what are group benefits and HSAs? How effective are these plans in helping attract and retain top talent? And which is better for your team? Let’s find out! Key Takeaways: What […]
Hypertension Life Insurance
Key Takeaways Hypertension or high blood pressure is one of the most common chronic conditions in Canada, affecting nearly a quarter of adults aged 20 to 79. Having hypertension makes an individual more susceptible to heart disease and stroke, the second leading cause of death in Canada. But does that mean you can’t get life […]
Sleep Apnea & Life Insurance
Key Takeaways According to the NIH, in 2024, an estimated 5.4 million Canadians were diagnosed with sleep apnea, with this number expected to increase in the coming years. But what is sleep apnea, and how can it impact your ability to get life insurance? Let’s find out! Sleep Apnea and Its Impact on Life Insurance […]