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Heritage Insurance LTD Blog: life insurance

View the latest blog posts from Heritage Insurance LTD.

One of the most talked about benefits of purchasing life insurance is the accelerated death benefit (ADB). The ADB is a provision in life insurance policies that allows you to receive advances of your death benefit if you are diagnosed with an illness that's terminal. READ MORE >>

Group insurance is a basic way to help protect yourself and your loved ones. But will it be enough to make sure you or your family aren't left with financial issues if you die or are too sick or injured to work? Individual insurance complements group insurance – together, they can help protect you, your family and your lifestyle should the worst happen. READ MORE >>

If you are a member of your employer's pension plan, you are typically offered two different ways to draw pension benefits when you retire. The traditional option is to receive fixed monthly installment payments from your pension plan for your lifetime. READ MORE >>

Passing away is never an easy thing to think about. However, by not planning for your final days, you may cause additional stress to your family and friends, especially at a time when they'll be grieving. So use this checklist to create a file so that your executor is in the know should the unforeseen happen to you. READ MORE >>

Saskatchewan requires executors to disclose all life insurance policies owned by the deceased person, as well as the policies’ designated beneficiaries. Accordingly, for people who seek probate for an estate in Saskatchewan, it is not appropriate to assume they can use life insurance or segregated fund policies to pass the death benefit to others privately. READ MORE >>

With the current volatility in today's markets, many investors are cautious as to where to park their hard earned dollars. A big threat to one's retirement savings value come retirement is volatility. If not planned and allocated properly, one's nest egg can be impacted in a big way. READ MORE >>

If you have a special needs child, you spend a great deal of your time taking care of him or her. You likely have taken steps to ensure that he or she is happy, healthy and living a full life. Yet, it is hard to think about what could happen if you were not able to be there to meet your child's needs. READ MORE >>

Once again, it's time to flip the calendar to another year. With this New Year upon us, I'd like to share a quick list of reminders that you could address as you navigate through 2016. RRSP Season. If you are looking to lower your 2015 tax bill and you have the room available, look at contributing to your RRSP. READ MORE >>

A few years back around this time, I wrote an article on preparing your financial planning around potentially incurring a major illness. What would happen to your RRSP should you become sick and not have the necessary funds to get us through that time period in our lives? READ MORE >>

You've worked hard to build your retirement nest egg and you want to make it last so you can bring your retirement vision to life. As you move closer to your retirement date, take some time to evaluate factors that could impact your retirement income. Summarize All Of Your Sources Of Income In Retirement READ MORE >>

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