Life Insurance

Life insurance helps provide financial security for your loved ones by offering support if you’re no longer there to provide for them. Explore our easy-to-understand guides on policy types, coverage options, costs, and tips for choosing the right life insurance plan.

Homeowners/Renters Insurance

Does Insurance Cover Natural Disasters? (Fire, Flood, and Wind).

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Whether insurance covers natural disasters depends heavily on the cause of the damage. In the insurance world, these causes are called "perils." While standard...
Insurance

How Your Credit Score Secretly Affects Your Insurance Rates.

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In the insurance world, your credit history is often used to calculate a Credit-Based Insurance Score. While a regular FICO score predicts your ability...
Insurance

RRSP vs. Life Insurance: Which is a Better Long-Term Investment for Canadians? 

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Deciding between a Registered Retirement Savings Plan (RRSP) and Permanent Life Insurance depends heavily on your goal: are you saving for your own lifestyle...
Insurance

The Cost of Term Life Insurance for Non-Smokers in Alberta.

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In Alberta, term life insurance is quite affordable for non-smokers, especially if you secure a policy while you are young and healthy. While rates...
Insurance

Snowbird Travel Insurance: Best Plans for Canadians Wintering in the US. 

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Snowbird travel insurance is designed to cover the significant medical costs in the U.S. that provincial health plans do not. For Canadians wintering in...
Insurance

Mortgage Life Insurance vs. Term Life: Why Your Bank’s Policy Might Be a Bad Deal.

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When you sign your mortgage papers, your lender will likely offer you Mortgage Life Insurance (often called Mortgage Protection Insurance). While it sounds convenient, many financial...
Life Insurance

Pet Insurance Comparison: Is Lifetime Cover Worth the Extra Cost?

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Comparison at a Glance FeatureLifetime CoverTime-Limited / AnnualMaximum BenefitDurationUnlimited (resets annually)12 months per conditionNo time limitPayout LimitAnnual limit resetsFixed limit for 12 monthsFixed "pot" of...
Life Insurance

Income Protection vs. Critical Illness Cover: Do You Need Both?

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Quick Comparison: How They Work FeatureIncome ProtectionCritical Illness CoverPayout StyleRegular monthly payments (like a salary).A one-off tax-free lump sum.TriggerAny illness or injury that stops you...
Life Insurance

How the “Insurance Premium Tax” (IPT)Affects Your Monthly Payments.

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1. The Direct Cost Increase IPT is essentially the "VAT of insurance." While most insurance is exempt from standard VAT, the government applies IPT instead....
Life Insurance

The 10 Best Life Insurance Providers in the UKfor Over 50s.

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Top 10 Over 50s Life Insurance Providers (2026) RankProviderKey StrengthTrustpilot Rating1SunLifeBroadest age range (49–85) and high cover limits.4.8/52Legal & GeneralExcellent care concierge and nurse support...
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