I travel to the states frequently on recreational trips and, with the Canadian Dollar dropping, have looked into ways...
Risk Analysis and Cost Effective Solutions (Term Life Insurance, Permanent Life Insurance, Disability Insurance & Critical Illness Insurance) The...
This is a great question when money is tight but debt is increasing. The credit monitoring agency Transunion reported...
LIFE INSURANCE 101
DISABILITY INSURANCE 101
LONG-TERM CARE INSURANCE 101
Videos shown above courtesy of Life Happens. IDC Insurance is an affiliate member of Life Happens PRO.
WHY CANADIANS CHOOSE US
Thanks for your help and excellent service with my life insurance. I appreciate all the work you have put in to get the result I was looking for. (more…)Tracadie-Sheila, NB
I have recently purchased life insurance from Monika. My ten year term was coming to an end and my provider was asking for a huge increase (more…)Toronto, ON
Thank you Monika, you have presented me with great options and choices, it was even difficult to choose between them, they were all good! (more…)Stittsville, ON
I wanted to thank you very sincerely for all your great work and wonderful service; for not giving up on us despite our far from ideal communication (more…)Ottawa, ON
I am very appreciative of the way you have informed and supported me through the process of choosing a life insurance policy that meets my (more…)Trout Brook, NB
I would like to thank Monica for her fabulous service in my recent search for insurance. She searched several options that would work for me. (more…)Ottawa, ON
We would like to thank you very much for all of your assistance with getting our life insurance policies in place. (more…)Mississauga, ON
It was a pleasure to use Nadine as my life insurance agent. She provided me all the information I needed to make a decision (more…)Winnipeg, MB
Due to my recent health concerns, my approval took a few months to complete. During this entire time, Markus kept me informed (more…)Acton, ON
Having found myself in the position of requiring a replacement broker that would put my interest first and foremost; I was most fortunate (more…)Ajax, ON
IT’S GOOD TO KNOW…
When buying life insurance, the question really isn’t how much you need, but how much capital your family will need at the time of your death, which depends on two variables:
1) How much will be needed at death?
This amount takes into account all final expenses: uncovered bills, funeral and estate-settling costs, outstanding debts, mortgage balance and college costs...
2) How much future income is needed?
This is the number you’ll arrive at after calculating the “present value” of cash-flow streams your family will need after your death.
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