by Denis Bugeja | Jan 2, 2023 | blog, Insurance, life insurance
If you require permanent life insurance coverage for family, estate planning, business, or tax planning purposes or you just wish to accumulate money in your life insurance program it may be time to look at a permanent, level-cost solution. Many of us purchase large...
by Denis Bugeja | Dec 1, 2022 | blog, life insurance
During this stressful and challenging time, many are wondering what effect COVID-19 could have on their life insurance. Some may be worried that the insurance companies would make changes to their existing policy due to coronavirus concerns, resulting in an increase...
by Denis Bugeja | Nov 1, 2022 | blog, Estate Planning
Prior to the pandemic, the projected deficit for 2020 was estimated to be $20 billion. As a result of Covid-19, the actual deficit in Canada rose to over $300 billion. In 2022, due to pandemic emergency spending being eased the deficit has fallen significantly BUT...
by Denis Bugeja | Oct 5, 2022 | blog, Debt, life insurance
Naming a beneficiary of a life insurance policy provides a significant benefit in planning and protecting one’s estate. With a named beneficiary, the death benefit is paid directly to the beneficiary and is received tax-free. It bypasses the policyowner’s estate...
by Denis Bugeja | Jul 6, 2022 | blog, Estate Planning, Family
Avoid Disinheriting Your ChildrenIn today’s family, it is not unusual for spouses to enter a marriage with children from previous relationships. Parents work hard at getting these children to functionally blend together to create a happy family environment. Often...