The Family Talk You Need To Have

talk to your family about insurance

Today we’re going to tell you a story. Not that it could happen to you. These things always happen to other people.

This story is fictional but based on real events. It’s a great example of why we need to ask the none of your business questions and talk to your family about insurance.

Paul and Mary Robson are 60-years-old and still paying off the mortgage on their family home. They both still work so that they can retire mortgage-free and, hopefully, with a little extra cash. They’re running low on savings but still hope they can take a trip somewhere warm next Spring. 

Paul and Mary get a phone call from their son, Mike: his two-year-old, Andrew -their grandson- has been diagnosed with Acute Lymphoblastic Leukemia (ALL).

Treatments are to begin immediately – at a hospital that’s hours away from home.

Panic has set in. Mike is beside himself. His wife and other two children are packing right now. 

Paul and Mary are frozen. They get off the phone, hug each other, and cry. 

After long trips to the hospital, food, and accommodation, loss of income for Mike and his wife, childcare costs for the other kids, medication, and comfort items for Andrew, the bills add up fast. Even with help from family and friends, the costs were staggering.

A bank friend asks Mike if he has critical illness coverage on his spouse or children. He doesn’t. But he remembers his parents getting some sort of coverage on their grandkids, last year.

He calls Paul and Mary who call their financial advisor. It turns out that yes, The Robsons had gotten coverage on all three grandkids: Critical Illness Insurance

Thirty days after Andrew’s diagnosis, the paperwork is off. His condition qualifies under the definitions and The Robsons receive a cheque for $100,000.

The Robsons consider themselves extremely blessed. Mike cannot imagine the stress other families feel when their costs are not covered. His marriage was at the breaking point and money wasn’t even an issue.

We couldn’t write this post without crying. Although the story above is fictional, it is based on real-life and it happens. Take the time to help your loved ones realize the importance of covering their bases.

It may not happen to you, but it will happen to someone.

 We need to ask the none of your business question and talk to our family – parents, siblings, and kids – about insurance.

Getting Your First Life Insurance Policy

life insurance

Getting your first Life Insurance policy can seem like a daunting task. There are so many options and, of course, you want to make sure you’re prepared for it all and at the right price.

Let us start you on the first step.

Watch the video below to learn about the two types of Life Insurance and how to combine them for a better price!

When getting your first Life Insurance Policy, you first need to pick between Term and Permanent Insurance.

Term Insurance is like your car – you pay into it when you need it and when you don’t, you cancel. These policies are very affordable but aren’t worth anything and the prices will go up when you renew. Common terms are ten or twenty years.

A 35-year-old couple buying Term Insurance for a 20-year term and a $500,000 benefit, would pay roughly $70 /month together.

Permanent Insurance is a more robust option. You have a policy as long as you’re paying the premium and the price won’t go up. These policies can also accumulate a cash value that you can withdraw, invest, or use to pay for the policy itself. As you can imagine, these policies are much more expensive.

A 35-year-old couple buying Permanent insurance with a $500,000 benefit would pay roughly $400 /month together.

Here’s the trick to getting a better price: COMBINE THEM

Most of the expenses we have today, we won’t have in retirement. Because term insurance increases in price so significantly as you age, it’s generally not a good long term solution. And permanent insurance is out of many peoples’ price range.

BUT if you buy term insurance that will cover your 35-year mortgage and a permanent insurance policy that will pay a small sum of money when you pass away (to cover funeral expenses, etc.), your price will be much lower. It’s called stacking. 

In the example below, you can see that our sample couple bought insurance at age 35. They bought term coverage that they will keep until they’re 65 and don’t expect to have the same expenses. They also bought a small permanent insurance policy to cover their end-of-life expenses.

If our example couple above chose to do that, they would pay roughly $170 /month together.

Working with a Life Insurance Broker is the best way to view your options from many different insurance companies and find one that works for your lifestyle and values.

Should I Name A Beneficiary?

should I name a beneficiary

Let’s say that you’re filling out a financial form and get to the part where they ask for a Beneficiary name. Why not just leave it to your estate? It can seem like an extra piece of information to give until you understand WHY you need a Beneficiary.

You need a beneficiary to ensure that your money, whether from investments or an insurance policy, goes to the right person or entity.

Unless your lawyer advises otherwise, most people should avoid naming their Estate as the beneficiary (the default).

Funds left to the Estate may be subject to probate or other fees and could get held up. This generally takes over a year to complete. It’s not worth the headache if your loved ones would need the funds sooner than that.

As the owner of the policy or account, you choose who the beneficiary is and can make changes at any time.

Your beneficiary will not have access to your accounts or information. They will simply be given the money once you pass. This is called a Revocable Beneficiary.

The exception to this is to name an Irrevocable Beneficiary. They still cannot make changes to your account or see your information. BUT you cannot make certain changes to your own account, including changing the beneficiary, without their permission. 

Beneficiaries should always be identified by name.

Generics like “my spouse” or “my children” can be ambiguous in the future if, at death, you are in a new relationship or have step-children.

Depending on your personal situation, you may choose to name your partner, parents, or other loved ones as your beneficiary. You can name more than one beneficiary but will need to choose what percentage each party will receive.

As this article is for general information only, be sure to talk to a professional about your specific situation before making any decisions.

And remember, your beneficiary should be updated as required! Checking your policies every two years to ensure your information is up to date is a good habit.

Can I Get Insurance If I Smoke Marijuana in Canada

We’re a few days away from what cannabis culture calls an “international counterculture holiday”. Where peaceful protests are held internationally every April 20th to smoke the herb and advocate for legalization. A year and a half ago, recreational marijuana was legalized in Canada. It’s had many people asking – can you get insurance if you smoke marijuana in Canada? Yes, you can.

First, cannabis smokers generally don’t get smoker’s rates anymore.

If you’re not familiar, smoker’s rates double your insurance bill (or more). So, this is a big one.

You can also smoke more often and still get insurance. If you use it more than 2-3x per week, you’ll be limited in what companies you can apply for and it may cost more.

One of the things we haven’t figured out as an industry is how to phrase the question.

Some applications ask how many “times per week” others ask about “joints per week”. The discrepancy comes into play when you have a low tolerance or are micro-dosing. A standard sized joint can be finished in one sitting for some people but would take 2-3 sittings for another. Your Advisor will be able to walk you through this when the time comes.

If you answer ‘yes’ to the marijuana use question on an insurance application, your advisor needs to know if it’s recreational or medicinal use.

If you want to know more about medicinal use, watch this video. And you may need to fill out a ‘drug questionnaire form’, or answer additional questions about usage.

It really is quite easy to get insurance if you smoke marijuana in Canada

Why Mom-preneurs Need Life Insurance the Most

why mom-preneurs need life insurance the most

As a busy business owner, do you feel like you’re running around like a chicken with its head cut off? Holding client meetings, being a parent taxi in between, meal planning, running the house and being the glue that holds everything together. Who would do all of that if you couldn’t? That’s exactly why mom-preneurs need life insurance the most.

If working from home allows you to chauffeur your kids, run errands, do chores or be a homemaker, your family would be lost if you weren’t there.

Even if you don’t work from home, hired help and put systems in place so that certain things can run smoothly without you there, your family will still be scrambling to do those little things that often get overlooked. Not to mention how much they’d miss you.

Your business may also be an asset.

Having a plan to cover your business expenses until it can be sold would be a tremendous help to your family. Or, maybe your kids are a bit older and one of them would like to run your business. Giving them or your business (if it’s incorporated) a set portion of your life insurance benefit would afford them what they need to transition your company.

For example:

  • Cost of closing your business
  • Covering outstanding debts
  • Capital Gains
  • Ensuring your employees/subcontractors are paid for their work
  • Legal fees
  • Taxes
  • Financial obligations, especially if you personally guaranteed your debts against your home/investments/etc.

Of course, that’s not an exhaustive list – just a starting point. Talk to your Financial Planner/Accountant and Lawyer to determine exactly what you need.

Especially if you’re a sole proprietor, consider your personal taxes as well.

We want to prevent your family from getting any unexpected, large bills. Sitting down with your Insurance Broker or Financial Advisor is the first step in ensuring your personal and business finances are in order if anything does happen.

Mom-preneurs need life insurance the most because they often juggle two important roles – a business and a home.

You have a very important role and play a detrimental part in caring for both your business and your family. Having a life insurance policy and talking about a plan with your partner can ensure that they’ll be taken care of, even if you’re not there.

Remember, you’re in control of your financial future.

It takes time and effort to put plans like this in place, but it’s worth it to know that your family is taken care of.

If you could use weekly reminders about taking a holistic approach to caring for your finances, join our newsletter!

Can I Get Insurance If I Use Marijuana Medicinally?

can i get insurance if i use medical marijuana

Can I get insurance if I use marijuana medicinally? Yes. The biggest concern will be about the condition you’re using it to treat. However, the more you use, the more your insurance may cost.

I thought this was an easy question until a medical marijuana company asked me to look into options for their patients. Legalization made some changes around insurance and medicinal marijuana and the industry is divided.

When you’re filling out an insurance application,  they’ll ask if you use marijuana in any capacity. The first thing the insurance company is trying to figure out is if it’s medical or recreational use.

They’ll be more concerned if it’s for medicinal use because of the underlying factor. But, in specific to the medicinal marijuana that you’re using, you’ll just have to fill out a Drug Questionnaire Form.

They’ll ask how many grams you use, your method of use – smoke, oils, edibles, etc. – and why you chose this method of treatment.

The insurance industry has changed in that regular marijuana users – or in any capacity, really – got smokers rates.

If you’re not familiar, people who get smoker’s rates on their insurance policy generally pay double what everyone else pays. Now, we’ve found a number of companies that may charge you extra for heavy use but won’t call you a smoker. The fact that marijuana users aren’t always getting classified as smokers is a big deal in the industry!

One of the things that haven’t been figured out yet is ‘times’ vs ‘joints’ per week.

When we say ‘times’ per week we’re asking literally, how many times you smoke/spray/etc. When we say ‘joints’ we’re talking about a standard size joint – the size of a cigarette.

It gets confusing because, if you’re not a heavy user or you’re only using a little bit at a time, it’s a hard question to answer.

Because of that, I always tell clients to be upfront with their agents and tell them from the beginning. Then, your agent can look into the companies that know marijuana is a medicine and will accommodate.

Unfortunately, when it comes to getting insurance FOR medicinal marijuana, I don’t have great news.

Medical marijuana can’t be put under the ‘prescription drug’ section of your health plan because it doesn’t have a Drug Identification Number (DIN). I haven’t (yet!) found a health plan that offers coverage specifically for medical marijuana.

I did reach out to MSP to see if they had any plans to help and unfortunately they don’t have any plans to help anytime soon.

It’s not looking great today but we’re hoping to see more and more changes.

Remember, you’re in control of your financial future. It takes time and money to put in plans like this, but it’s worth it to know your family will be taken care of.

What You Need to Know About Life Insurance

Today, we’re going to give you a summary of what you need to know about life insurance. We’re going over a lot of information here, so buckle up!

We’ll talk about:

  • What life insurance is
  • The 3 different kinds
  • Who needs this
  • The cost of insurance
  • How your agent gets paid
  • What happens when you pass away
  • Who can’t get life insurance

Life Insurance is really just a contract. It’s a contract between you and an insurance company saying that, so long as you pay your bill, they’ll give your family a benefit when you pass away. It’s a simple a concept as that!

Of course, there’s more to the contract. But the terms of the contract are for your Insurance Agent to walk you through. Each Insurance Company’s terms will be different.

There are 3 kinds of Life Insurance:

    1. Term Life Insurance
      Think of it like renting a policy. It’s cheap and for a set amount of time, but it’s not worth anything at the end.
    2. Whole Life Insurance
      This policy is more expensive but will cover you for your whole life. It also builds up a cash value that you can withdraw or use as collateral over time.
    3. Universal Life Insurance
      This policy is a combination between a life insurance policy and an investment portfolio. It’s the most expensive option but can be a great option for someone who’s investment savvy.

Insurance isn’t for everyone.

If you have debt, are self-employed, or have someone who relies on you or your income, then it’s definitely something to look into.

If you’re not quite sure or have more questions, book a Quick Call with us and we’ll do our best to answer! Please keep in mind we are only authorized to talk about Canadian Insurance options.

How much does Life Insurance cost?

Honestly, it depends on too many things to give you a straight answer. I’ve seen policies that are $10 a month and others are thousands of dollars a month. It depends on the insurance company you choose, the benefit amount (how much you’d be paid), your health, which of the 3 types of insurance policies you chose, and a laundry list of other factors.

What I’d suggest is, regardless of your budget, sit down with an insurance broker that you trust. Having a policy should never take food off of the table, but it’s better to have a policy that you can afford than nothing at all.

When do I pay my insurance agent?

You don’t! Insurance agents are paid by the insurance company.

We’re paid by commission and bonuses. It doesn’t matter what insurance company, agency or broker that you choose, it’s entirely a back end deal. You will not get a bill for your insurance agent’s time.

When you pass away a process of things will happen.

This process is one of the top things you need to know about life insurance. First, the insurance company will look into the cause of death. As long as you weren’t doing anything suspicious or illegal when you passed, and the reason falls under the contract terms, your family will be paid the death benefit.

It’s as simple as that! However, it’s not as fast as that. Make sure that you always have an emergency fund set up that your family can access to help them financially until the insurance benefit is paid to them.

If you want to make sure the benefit is paid as quick as possible, put your loved ones as the beneficiaries on your insurance policy. If you leave this portion blank, the money will go to your estate. In that case, the benefit will get locked up in probate and not released until that process is finished. And it can be a long process.

Life Insurance benefits are TAX-FREE. Your family will not need to pay tax on the money they receive from your policy.

Who can’t get life insurance?

Honestly, very few people! The industry has really evolved in the past few years. But each company is willing to take on a different amount of risk. For example, one company might not have a problem with your health concern while another sees it as a red flag and refuses to cover you.

That’s why I always suggest sitting down with a broker. We’re able to look at plans from multiple companies and can find one that’s willing to take on whatever risk you might have… the insurance might just cost a bit more.

Remember, you’re in control of your financial future.

It takes time and effort to put in plans like this but it’s worth it to know that your family will be taken care of, even if you’re not there.

This isn’t everything you need to know about life insurance. But now you’re ready to call your agent and look into options. 

We would love to be those people for you.

Curious about what happens when you apply for insurance? Click here to learn more!

what happens when you apply for life insurance

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When Should You Get Life Insurance?

when should you get life insurance

Have you ever had a genuine question for a sales person but didn’t ask to avoid the sales pitch? That’s what we’re addressing here. “When should you get life insurance” is a REALLY good question. One that more of us should ask.

I don’t believe that everyone needs life insurance. I DO believe that MOST people need it. Why? Dying is really expensive!

There are so many angles you can look at it from, but asking yourself these 4 questions is a great start to finding your answer. Ultimately, you should get life insurance if your passing means the ones you love would lose more than You.

After asking yourself the 4 questions to whether you should get life insurance, there’s a good chance you know you need it.

It’s pretty rare to be working and have responsibilities and NOT need Life Insurance – unless you have access to a lot of cash.

Life Insurance isn’t that expensive. Like everything else, you get what you pay for! If you want basic coverage in the rare chance you have to use it, you may be pleasantly surprised.

So, Here are the 4 questions to ask yourself:

  1. Who depends on me and what will they need?
  2. How much debt do I have and who’s going to pay it?
  3. Do I know what my end-of-life tax bill will be? A Financial Planner can help with that.
  4. How much will a funeral and other misc. expenses cost?

We’ve all heard the horror stories of people who weren’t prepared to pass. 

It’s an incredibly difficult time for the family and friends who are left behind.

From the time they’ll need to take off of work, to going through your belongings, planning a funeral, and a lot of other transitions. Make sure that you have a Will and finances in place to make it easier on them. 

A Will gives direction, prevents some awkward conversations, and can give your loved ones a bit of peace of mind in their devastation.

Insurance can help finance the transitions they’ll go through. From covering expenses while they grieve, prevent financial stress in the future, funeral expenses, end of life taxes, and a lot more.

Your Will and plan is your final love letter ❤

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What Happens When You Apply for Life Insurance?

Meet your Advisor!

The Insurance process can seem intimidating when you’re not sure what to expect. From questions about your finances to very personal health questions and tests. What happens when you apply for Life Insurance?

It can be overwhelming to start the process if you don’t know how it works!

Here, we know that Education is Power.

This short cartoon will walk you through what happens when you apply for life insurance.

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What happens when you apply for life insurance?

Depending on a number of factors, getting an insurance plan can be almost instant or take a few months. There isn’t much you can do to effect the timeline – it’ll depend on the Insurance Company you apply with, the type of insurance plan you get (or more accurately, how big of a plan you get), and your medical history, as well as a number of other factors.

Getting Insurance is meant to be a simple process but, when dealing with anything health related, there can always be complications. So, let’s walk through the steps of how the situation will ideally pan out. Remember, it may not work out exactly like this, but this is the typical process:

1. Meet your Advisor

In the first meeting with your Advisor, they’ll ask you about your goals, finances and figure out what you need.

2. Advisor finds options for you

Your Advisor will take the information you gave them and go to the drawing board. If you’re working with a Broker (like myself), they’ll be looking different plans from multiple companies. They may have a plan in mind already and be able to start the process in the same meeting, but they’ll likely have to come back for a second appointment.

3. Pick the Plan

Your agent will show you the plans they have in mind (they should be giving you a couple of options) and help you pick a plan that works just right for you.

4. Apply

Then, you’ll apply! You’ll be asked questions abut your health, habits, job and income. Be honest with your Advisor! The questions will be very personal about your current and past health, (likely) as well as the health of your close family members. Your job and income will determine how much you can have coverage for – this is by law and not necessarily dependent on the Insurance Company.

5. Medical

Whether it’s life or disability insurance, you’ll likely have to go through a medical. How that works will depend on many factors including the Insurance Company you’re applying with, health history, habits, etc. It can range from a phone interview to blood and urine samples or even special scans and tests. The Company needs to determine what they’re willing to cover you for with all the ‘information on the table’ so to speak.

6. Pay your First Bill

Once you’re approved, you’ll have to pay your first bill (or premium) to start the coverage. You might give them a credit card to charge when you first apply or wait until they’ve accepted your application to pay – again, this is determined by a number of factors including the Insurance Company that you’re applying with and personal preference.

And that’s all there is to it! Your agent should walk you through the process and help with any hiccups along the way, making the process easier for you.

Insurance is an incredibly important step towards financial independence and preparing for the emergency situations that life can bring. You won’t know how valuable a plan is until you need it. But,  it won’t happen to you, right? These things always seem to happen to other people, so make sure your friends and family sit down with an Insurance Agent or Broker! 

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What Should I Know About Mortgage Insurance?

This post was made in September 2019 and is specific to Canadian policies and information. It is intended solely for the personal non-commercial use of the user who accepts full responsibility for its use. While I have taken precaution to ensure that the content of this site is both current and accurate, errors can occur.
The information contained in this site is general in nature and should not be considered to be legal, tax, accounting, consulting or any other professional advice. In all cases you should consult with professional advisors familiar with your particular factual situation for advice concerning specific matters before making any decisions.

Let’s go ahead and start this from the very beginning. What IS mortgage insurance?

Mortgage Insurance helps you pay off your mortgage if you pass away. It could also pay your monthly mortgage fee if you’re not able to work for a period of time. It’s an optional coverage that you’d buy either through the bank when you get your mortgage or through an Insurance agent. If you’re familiar, Mortgage Insurance is like Term Insurance.

No one wants to think about it but, if you pass away, who will pay your mortgage?

If you’re single, the bill will probably go to a family member who would, likely, have to cover your mortgage payments until they’re able to sell your home. If you’re married, will your spouse be able to cover the mortgage and all other expenses without your income? Will they need to take time off of work after you pass? In that case, your family would lose both incomes until your spouse is ready to go back to work. Keep in mind, your payments will still be required if you’re not able to bring home a paycheck! 

And that, my friends, is what mortgage insurance covers. 

So, what’s the difference between buying from the bank vs. an insurance advisor?

Insurance from the bank is typically more convenient. It (usually) gets taken out of your account with the mortgage so you don’t have to think of an extra bill payment. Also, you can sign up for it as you’re dealing with the mortgage approval.

While personal insurance doesn’t offer those conveniences, it has plenty of other benefits you need to consider. To start, you’ll know what you’re covered for before you make a claim. When you buy an insurance policy, it goes through Underwriting. That’s a process where a professional looks at your application, medical history, etc. and decides if the company will issue you a policy. You can be approved or denied. Or, you could be approved except for XYZ – meaning you’re covered, UNLESS you pass away from a returning illness, hereditary health conditions, etc.
You want them to do this when you apply to give yourself options before you need to use the insurance.

On the contrary, Mortgage Insurance offered through a bank is, generally speaking, a simple questionnaire approving most people on the spot. However, they’ll wait until you make a claim before they send it to the underwriter. That means you won’t know if there’s an exception to what you’re covered for until it’s too late.

With personal insurance, you own the policy. You keep it even when you move or pay off your mortgage. It’ll pay the Life Insurance Benefit directly to your family (or estate) if you pass away. Your family can use the money to pay off the mortgage or chose to split it between the mortgage and another unforeseen expense.

Life Insurance through the bank will be paid directly to the bank and used to pay off your mortgage.

You’ll typically get comparable rates for an Insurance Policy from the Bank as an Insurance Agent.

There are plenty of other things to know about mortgage insurance (good and bad) so I suggest sitting down with a professional to ask questions before you chose a policy. Always make sure you understand what the contract says. If your situation doesn’t match the criteria and definitions in the contract, you will not be paid out.

These are some good questions to ask:

  • If/When I pass away, who will the money go to?
  • Does the benefit ever change?
  • If I’m too hurt or sick to go to work (make an income) for a period of time, will this plan offer me any benefits?
    • If the answer is yes, ask what the “Definition of Disability” is. You’re essentially asking, “How badly do I have to be hurt before they’ll pay me?”
    • Ask how long you’ll have to be off work before they start to pay you.
  • Who is covered under this plan? If you and your partner buy a home, it may be only the Primary Applicant who’s covered. But what if something happened to the other partner?
  • If I make changes to my mortgage, will this policy be canceled, or will it move with me even if I change lenders?
  • When will they decide if I qualify for the insurance policy I’ve chosen?
    I realize that question sounds redundant but many policies, especially the ones with few questions and approve you right away, aren’t looked at by the Underwriter (the person who decides if you qualify and what the insurance company will cover you for) until you’re asking for the money i.e. making a claim. This is a very important question.

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How to Know if You’re Talking to the Right Insurance Agent

There’s one simple mistake that a lot of us make when we start looking into an insurance policy – we think each insurance agent sells all kinds of insurance. And us agent aren’t great at clearing this up from the beginning. So, here’s a very basic explanation on how it works!

There are 2 categories of insurance: People (Personal) and Things (General).

General Insurance Agents can cover you for much more than just things, but the concept makes it easy to understand. They sell car insurance, house insurance, liability coverage, prepare for expensive emergencies, etc. They’ll help you cover things you can touch, expensive emergency situations (like hotel expenses after a house fire), and situations where you could be liable. There are levels of Insurance licenses the agent will be in depending on how many programs they choose to take. The more programs they take, the more coverage they can offer you.

Personal Insurance Agents can help you protect your ability to make money. If you’re too hurt or sick to work, or if you pass away, you’re not bringing in an income. Taking care of yourself while you’re disabled or paying for funeral expenses will also COST money. Personal Insurance Agents look at what you already qualify for – from Government Benefits to Employee Benefit Plans –  and find an insurance plan that works for you.

Insurance agents want to help. So if you’re ever confused on whether you’re talking to the right ‘type’ of agent, just ask them!

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What Is Insurance For?

Today we’re talking about what Insurance is for.

Insurance covers a loss.

To keep this simple, there are 2 kinds of insurance: one covers people and the other covers things. Today, we’re going to talk about people.

Life Insurance is usually brought up when you buy your first house or start to grow your family. It’s the most common kind of personal insurance. When you pass away, it helps your family cover funeral expenses, end of life taxes, the mortgage, or just the fact that you won’t be bringing in money.

The lesser known personal insurance is Disability Insurance. I’m most passionate about this type because of my own experience(s) not having it. But, again, it helps with the loss of a paycheck. It’s used when you’re too sick or hurt to be able to go to work and pays a percentage of the money you would’ve received from a paycheck. It helps with bills that come up because you’ve been hurt, like medical expenses or child care. Disability Insurance is for covering your missed income because, most likely, your spouse isn’t going to be able to cover both their income and your missing income.

Of course, this isn’t everything you need to think about, but sitting down with a Life Insurance Broker will help with that. They’ll be able to help you make a plan and can’t charge for that time, so it’s FREE!

I hope this helps in some way. If you still have a question, please feel free to reach out!

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