Alberta, British Columbia, and Ontario Life Insurance Broker

Real life happens.

That’s why you need insurance.

Jane Cotnam

Life and Group Benefits Broker

About

Your Real Life Insurance Co. Vaccine update info

We’re aware that there is misinformation circulating on social media, raising concerns that getting vaccinated for COVID-19 could negatively impact your current life or health insurance coverage or prevent you from getting new life or health insurance coverage. This is untrue.

Getting vaccinated for COVID-19 does not negatively impact your existing life or health insurance coverage in any way. Additionally, getting a COVID-19 vaccine doesn’t prevent anyone from getting new life and health insurance coverage with Manulife.

We continue to follow guidance and recommendations from the World Health Organization and the Canadian government, including supporting government-approved vaccines to combat COVID-19.

Canva - Photo Of Women Exercising Together.jpg — Get exactly what you need for your life.

Services

Every client is unique and has different objectives.

By comparing quotes from top Canadian providers, we will help find the insurance policy that is the best option available to you.

Interesting Facts

Articles

What a Difference a Year Makes… Getting Your Employees the Best Care Today

Critical Illness for Children - Why it’s Essential

Few of us want to contemplate the reality of being diagnosed with a serious illness, let alone the possibility of a child becoming seriously ill. Even fewer of us have given any thought to how we'd cope financially. A child’s illness can cause serious financial consequences for a family.

Cannabis and Insurance

Since the legalization of cannabis in Canada, insurers have had to reassess how they underwrite someone who is an occasional user versus someone who uses it for health reasons. In the past, all users would be declined coverage. Not so anymore; there a lot of products cannabis users can apply for.

Life Insurance and Capital Gains Taxes

It is said that there are only two certainties in life; death and taxes. These often go hand in hand. While you may think you are done on this earth and debt no longer is an issue, the fact remains that you still need money even after you pass on.

Mental Health and COVID

The vast majority of Canadians admit to being impacted by COVID-19, however only 60% are receiving treatment or social support. The mental health issues related to our lock-down and the COVID-19 virus pandemic are especially hard for people with depression.

There are barriers that exist preventing people from receiving the mental health help they need. Affordability is a huge problem. Today, the stigma is still a part of the problem. We promote the need for mental health however some still don’t feel comfortable and are embarrassed talking about it.

Insurance and Divorce

Going through a divorce is one of the biggest stresses in life. It becomes even more so when there are children involved. So many changes that need to be done and so much to go through, it’s no wonder insurance needs get forgotten. When people separate, they often remain connected — usually through a co-parenting relationship or because of ongoing child or spousal support obligations. In Canada, 41% of all divorces have children involved.

Life Happens; Covid Did

As some of you may know, I have been an independent life broker for many years now, and I have shared countless articles about the necessity of having insurance. Why you need it and how much your needs may change throughout your life, such as marriage, having children and buying a home for which you need to have coverage to protect your mortgage.

Most of us don't like facing our mortality and will avoid purchasing life insurance. Some people believe it’s too expensive, while others procrastinate until something happens to someone they know, or themselves.

There Are No Easy Answers

It is said that the baby boomer generation is most likely the last generation to go to school, find a job, get married, start a family, and retire from said job. This is no longer the way for millennials and their children. For so many reasons, that simple straight line no longer exists. Career uncertainty and the lack of every day jobs has changed, and as a result, the economic and academic landscape has changed with it. We are no longer guaranteed employment upon graduation. This has placed a lot of stress on students who have worked hard to finish school; their career is still a proverbial step or two away.

What Kind of Parent Insures Their Child?

I am an independent insurance broker and have been for 35 years. I love what I do – there is nothing better than helping parents provide a financial legacy for their children. With that said, until recently, I was very much the shoemaker whose children go shoeless. I have four children, all grown up now, and only in the past year have I actually purchased insurance for them, all because I was introduced to an amazing idea.

Life Changes… So Should Your Insurance

Life can bring so many momentous occasions, from marriage to babies, and from mortgages to retirement. Obviously I have skipped a few steps along the way, but needless to say, your life may change several times before your retirement. One of the constants you should be aware of is your insurance. It is most likely the last thing on your mind as you transition through your milestones, but these life changes can absolutely impact your insurance needs now and in your future.

The Five Biggest Misconceptions About Insurance

1. “I can buy life insurance on line for less that I can from an insurance broker.
2. “I got a policy years ago. I don’t need anything else.”
3. “I have life insurance coverage through my work.”
4. “My wife/ spouse/ partner/ significant other is at home and doesn’t need insurance.”
5. “I was declined for coverage years ago, and was told that I would never be able to get insurance.”

Why You Need to Keep Your Life Insurance Policy During Hard Financial Times

If you are like most people, then you’ve secured life insurance to protect your loved ones in the event of your unexpected death. When money gets tight, you may be tempted to simply cancel your coverage and start pocketing the extra cash. However, it’s best to keep your policy for as long as possible.

Insurance Myths

No one ever looks forward to going through the catalogue of insurance products, happily saying “I’ll pick this one, please!” Insurance means we are looking at what we can leave behind as our legacy; it’s a direct indication that we recognize our mortality. Insurance doesn’t have to be difficult however. Let’s take a quick look at some of the biggest myths that are important to recognise in finding insurance that is right for you.

Articles