Most Kitchener families believe they have their estate handled once the will is signed. In practice, an up-to-date will is central, but it does not determine the outcome for every asset or claim. Beneficiary designations, joint ownership, contractual obligations, corporate structures, tax rules, and family-law rights all affect what happens at death, and the […]
Most Kitchener business owners insure against death because it feels obvious. Life insurance, keyperson coverage, buy-sell funding, those get the meeting. What often doesn’t: the scenario where you’re alive, still the owner on paper, but medically unable to work for three months. The loan payment still comes due. The shop rent is still due. […]
You’ve packed the clothes, the toothbrush, the extra pairs of socks, the sunscreen, the passport. What most Kitchener travellers forget until it’s too late is the piece that keeps a $200 vacation from turning into a $200,000 medical bill: travel insurance. I’m Glenn Stewart, an independent travel insurance broker in Kitchener, and this piece is […]
Most Kitchener families think about life insurance twice: once when they first buy it, and never again. That’s a mistake. The policy that made sense when you were 32, renting, and childless does not automatically make sense at 42 with two kids, a mortgage, and a small business. And for a lot of Kitchener-Waterloo residents […]
Every fall, tens of thousands of Canadians pack up and head south, Florida, Arizona, Texas, Mexico, sometimes farther, to escape the winter. If you’re one of them, or thinking about becoming one, travel insurance is the single most important thing you buy before you leave. A few weeks of the wrong coverage (or the coverage […]
If you’ve spent any time looking into life insurance in Ontario, you’ve hit the same fork in the road every family hits: term life or whole life? The advice online is polarized. Personal-finance influencers say “buy term, invest the difference” and treat whole life as a scam. Insurance salespeople say term is a waste because […]
Why Generation Z Prioritizes Critical Illness Insurance Over Life Insurance Generation Z, born between 1997 and 2012, unequivocally transforms the traditional family model. Many in this generation choose not to marry or have children, which undoubtedly elevates the need for critical illness insurance over life insurance. How Digital Natives Are Reshaping Family Models and Insurance…
Millennial Must-Have: Why Life Insurance Matters in Ontario Hey everyone, it’s Glenn Stewart here, and today we’re diving into a topic that’s super important but often overlooked: life insurance. Now, before you scroll past, hear me out,this is something every millennial in Ontario should be thinking about. If you happened to be born between 1981…
Navigating the World of Senior Travel Insurance: A Comprehensive Guide for Travel Insurance for Seniors Over 65 As you enter your senior years, you may find that you have more time to travel, which is an excellent opportunity to explore different parts of the world. However, it’s essential to remember that travelling outside your province…
Securing Your Legacy: The Essential Guide to Estate Planning in Kitchener Oh boy, where do I even start? Alright, so here is the deal – we are gonna dive headfirst into the whole estate planning shebang up here in Canada. And let me tell ya, it ain’t just about scribbling your last wishes on a…
