Life insurance is always more expensive tomorrow than it is today! You can buy your newborn an awesome policy that will change their financial stars forever for less than maxing out their RESP costs. There is no physical; applying is easy, and it is a GREAT way to divert grandparents’ spending (instead of new toys, clothes or candy at every visit). Whole ...

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Almost everyone needs insurance – seriously!  **Almost** anyone…The 4 situations where insurance is not necessary are:𝟏. 𝑵𝒐 𝒐𝒏𝒆 𝒅𝒆𝒑𝒆𝒏𝒅𝒔 𝒐𝒏 𝒚𝒐𝒖 𝒇𝒊𝒏𝒂𝒏𝒄𝒊𝒂𝒍𝒍𝒚.You do not have kids or other dependents that would have a tough time surviving financially if you were not around to help them.Grieving the loss of a parent is awful.  Leaving your family a bunch of money will never replace ...

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Yes! You can buy a Tesla, a swimming pool, or a collection of lawn figurines from the ’80s online, why not life insurance? We don’t sell it online, but if you are comfortable doing everything electronically, I would recommend PolicyMe (www.policyme.com). I have never bought from them, but I have followed them long enough to know that they know what they are ...

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Name something else that you pay for just to hope and pray never to use it. Paying insurance premiums for anything stinks. Period. B̾u̾t̾ ̾y̾o̾u̾ ̾k̾n̾o̾w̾ ̾w̾h̾a̾t̾ ̾s̾t̾i̾n̾k̾s̾ ̾m̾o̾r̾e̾? ❌ʏᴏᴜʀ ᴋɪᴅꜱ ɴᴏᴛ ʙᴇɪɴɢ ᴀʙʟᴇ ᴛᴏ ᴘᴀʏ ꜰᴏʀ ᴄᴏʟʟᴇɢᴇ ɪꜰ ʏᴏᴜ ᴀʀᴇ ɢᴏɴᴇ. ❌ʏᴏᴜʀ ꜰᴀᴍɪʟʏ ʜᴀᴠɪɴɢ ᴛᴏ ᴍᴏᴠᴇ ᴏʀ ᴅᴏᴡɴ ꜱɪᴢᴇ ʙᴇᴄᴀᴜꜱᴇ ᴛʜᴇʏ ᴄᴀɴ’ᴛ ᴀꜰꜰᴏʀᴅ ᴛʜᴇ ꜱᴀᴍᴇ Qᴜᴀʟɪᴛʏ ᴏꜰ ʟɪꜰᴇ ᴛʜᴇʏ ʜᴀᴅ ᴡʜᴇɴ ...

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𝙏𝙝𝙚 𝙗𝙖𝙧𝙚 𝙢𝙞𝙣𝙞𝙢𝙪𝙢: enough to cover all of your current debts if you were to die. 𝙏𝙝𝙚 𝙢𝙖𝙭: all of your debts plus 7 to 10 times your gross salary. This money would create an income stream for your family to replace your paycheck. 𝙏𝙝𝙚 𝙧𝙞𝙜𝙝𝙩 𝙖𝙣𝙨𝙬𝙚𝙧: somewhere between those two that fit your budget. Some is ALWAYS better than none, but ...

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Yes! Totally. 🔲 If you are buying a simple term policy and you have someone at your bank that you enjoy talking to (and trust), do it! Bank insurance is better than no insurance – do it. Now. 🔲 Be weary of whole life/permanent policies that feel ‘salesy’ from your friends or network (you know who you are!!) You don’t need to ...

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