Insurance decisions,
a little clearer.

Practical reading for parents: coverage amounts, changing work benefits, policy reviews and the people you want to protect.

Family protection

How much life insurance do parents in BC need?

Work through family expenses, each parent’s contribution, existing savings and a coverage timeline before choosing a life insurance amount.

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Coverage structure

Can you combine 10-year and 20-year term life insurance?

How combining term lengths can fit changing family needs, and what to examine before choosing a planned reduction in life insurance coverage.

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Work and family

Changing jobs? Check your family’s insurance benefits first

The coverage dates, continuation options and benefits questions to confirm when changing jobs, moving to contract work or becoming self-employed.

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Growing families

A new baby: five family insurance questions to review

A practical insurance check-in for new parents covering leave budgets, unpaid care, work benefits, beneficiaries and a manageable next step.

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Beneficiaries and family

Life insurance for minor children: who manages the money?

Questions BC parents can take to an insurance advisor and lawyer about minor beneficiaries, trustees and coordinating life insurance with estate documents.

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Understanding a proposal

Paid-up life insurance and premium offset: what is guaranteed?

The questions to ask when an insurance illustration shows payments stopping: contractual payment periods, premium offset and projected policy values.

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Policy reviews

Replacing life insurance in BC: what to check before cancelling

Compare existing and proposed life insurance, understand BC replacement disclosures and confirm new coverage is in force before arranging cancellation.

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Living benefits

Critical illness vs disability insurance: how do they differ?

Compare the payment triggers and purposes of critical illness and disability coverage, with practical questions about workplace benefits and household expenses.

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Policy reviews

Term life insurance renewal: what are your options?

Questions to ask before term insurance renews: future premiums, family needs, new applications, conversion rights and the dates that matter.

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Have a question about your family’s plan?

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