Posted in Education Savings

Group RESP’s: Reading the Fine Print

But when she looked at the statement, it said the principal in her account was just $66,…

Posted in Education Savings

Group RESP’s

Scholarship RESPs are offered by a number of organizations, including the Canadian Scholarship Trust and the Children’s…

Posted in Pensions

Cashing Out your Pension?

When interest rates are low, the present value or commuted value is high. When rates are higher,…

Posted in Group Life

Why Employer-Provided Life Insurance is Dangerous

One of the most dangerous mistakes you can make is to rely on the life insurance your…

Posted in Cash Value Life Insurance Universal Life

Sun Life ‘deceitfully’ concealed ‘sales misrepresentations’ about life insurance policies

Sun Life said it had unequivocal evidence that MetLife’s agents misrepresented to Canadian consumers how the cost…

Posted in Life Insurance Mortgage Insurance

Banks sell mortgage insurance..You Shouldn’t Buy it!

Personal finance experts are a pretty soft-spoken bunch. It isn’t often that they say they would “never ever”…

Posted in Life Insurance Universal Life

Universal Life Insurance has Backfired.

A long decline in interest rates caused premiums to soar when they were supposed to stay level

Posted in Cash Value Investments Life Insurance

Life insurance is not for saving

Buying a life insurance policy is one of the most expensive ways to invest

Posted in Cash Value Life Insurance

What To Know About Cash Value Life Insurance

One component of life insurance that often leaves people confused is cash value. This is a feature…

Posted in Education Savings

Heritage Education Funds – Plan Gone

Excited and proud as she prepared to send her daughter Alexis to university, Susan Tesluk called Heritage…