by Frank Restorick | Aug 25, 2026 | Life Insurance
Par (participating) whole life insurance shares in the insurer’s profits through non-guaranteed dividends. Non-par (non-participating) whole life locks in fixed, guaranteed premiums and cash values with no profit-sharing at all. The simple rule: pick non-par when...
by Frank Restorick | Aug 24, 2026 | Life Insurance
Funeral costs in Canada average around seven thousand seven hundred to seven thousand eight hundred dollars nationally, according to the Cost of Dying Report, though a full traditional burial with cemetery property can push past $20,000. Direct cremation, by contrast,...
by Frank Restorick | Aug 24, 2026 | Life Insurance
A decline is not the final word. Life insurance after decline is entirely possible for most applicants, and the right next move depends on why you were turned down. Before anything else, do two things in the next 24 to 72 hours: Request the insurer’s written...
by Frank Restorick | Aug 22, 2026 | Life Insurance
Life insurance riders are optional provisions you attach to a base policy to add benefits or change how it pays out when a specific event happens. Primary earners, people with unstable disability coverage through work, and anyone who wants to lock in future...
by Frank Restorick | Aug 22, 2026 | Life Insurance
For most Canadians, a properly drafted will is the starting point. Add a trust when you need ongoing control over how money gets used, privacy from public probate records, or protection for business shares and complex assets. The Canada Revenue Agency’s rules on...