Each one of us bears a responsibility to act as our own advocate and plan for our own care when the time comes that we can no longer take care of ourselves. Many mistakenly believe the government will take care of us. Any government assistance covers only the most basic care which is far less than what is considered reasonable.

The most logical solution to manage the inevitable is Long term care insurance. Long term care insurance provides the necessary resources when one is no longer i...

               Buying a new home can be a daunting experience. There's a ton of paperwork and some very legal, very serious-looking documents to sign. It all gets quite overwhelming, especially if it's your first time. One thing that banks love to do is tie mortgage insurance into your mortgage agreement, right along with a dangerous-looking checkbox and signature line you need to fill in if you choose to "recklessly" opt o...

Brokers should warn clients of the potential pitfalls of mortgage life insurance, especially from the big banks, following the negative press surrounding a recent claim denial.

Recently deceased Christopher Massa, whose mortgage and mortgage life insurance was with Scotiabank, was diagnosed with lung cancer in October - and it is that diagnosis that has made the bank deny the claim on his $289,000 mortgage.

“The insurer declined Mr. Massa’s cl...