Life insurance can be a complicated and often misunderstood product when not explained properly. Below is a brief summary of the 2 types of life insurance, Term Insurance & Permanent Insurance, along with some examples of how they might fit into some common situations. Understanding the differences between the two types of insurance is critical […]
For most, purchasing a home is the most significant financial decision you ever make. With house prices on the rise, and interest rates at all-time lows, more and more Canadians continue to take on record amounts of debt. Buyers are often preoccupied with the new home purchase when being asked if they want to protect […]
COVID-19 continues to impact all of our lives, and at SC Insurance, we continue to receive questions from clients about what it means for their own personal insurance. The following is a review of some of the key sectors of the insurance industry, and the impact of the current crisis. We have also provided comments […]
Effective January 1, 2020, SC Insurance and RRJ Benefits Inc. are joining forces for continued growth and innovation in the benefits and life insurance industry.This new venture will provide access to innovative resources and cutting-edge proprietary tools. Clients will have access to the SC Hub: a digital administration tool to manage their benefit plans on […]
WHICH COVERAGE IS RIGHT FOR YOU? A great career, a happy family, a beautiful home — everything you’ve worked so hard to achieve, as well as your ability to enjoy it, depends upon your health. Despite the many measures you may take to ensure your wellness, life can be unpredictable. Recent statistics from Canadian Cancer […]
As insurance advisors, we often require our clients’ financial and medical information to ensure their plans get set up quickly and smoothly. And in many cases, we see that their financial, medical details – account numbers, contact info, important histories – are scattered and disorganized. It is human nature. Even though these details can be […]
A New Approach to Life Insurance Do you live a healthy, active lifestyle? Shouldn’t your life insurance premiums reflect your efforts to lead a healthier life? As a society we have more information than ever available on how to remain healthy and active well into what we traditionally called “old age”. The health and benefits […]
Rapid change has become a theme in Group Benefits in recent years, and as an employer, it can be difficult to keep up with all the advances in new policies and products, as well as changing legislation and regulations. Despite all the change and innovation, one of the key themes that our clients have expressed […]
The best-kept secret in retirement planning? Historically, owners, senior executives & many government employees were provided generous pensions that guaranteed lifetime retirement income. Their companies would make significant deductible contributions every year in order to fund a pension plan to guarantee a certain amount of income in retirement. Did you know that your small business […]
If you have applied for new insurance, a medical exam may be required. Most exams usually take approximately 30 minutes, and can be completed at your convenience in your home, office at a medical clinic. We will let you know what testing is required, and a Nurse or Doctor will contact you to schedule the […]