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Insurance & Benefits Guides
for Alberta Families and Business Owners
Straightforward guides on life insurance, mortgage protection, disability coverage, critical illness insurance, and Health Spending Accounts. Written for Alberta families, self-employed professionals, and incorporated business owners. No jargon. No sales pitch. Just clear answers.
Mortgage Protection
Mortgage Protection
Bank Mortgage Insurance vs. Independent Coverage — What Alberta Homeowners Need to Know
Why bank creditor insurance protects the lender — not your family — and what to do instead.
Mortgage Protection
How Much Does Mortgage Protection Insurance Cost in Calgary?
Real rate examples for a 35-year-old Albertan on a $500K mortgage, bank vs. independent.
Life Insurance
Life Insurance
How Much Life Insurance Do You Actually Need in Alberta?
The DIME method explained with two worked examples — a Calgary family and a self-employed professional.
Life Insurance
Term vs. Whole Life Insurance in Canada — Which One Is Right for You?
An honest comparison with a side-by-side table, including the 'buy term and invest the difference' debate.
Health Spending Account
Health Spending Account
HSA vs FSA in Canada — What's the Difference and Which One Do You Need?
These terms are used interchangeably in Canada. Here's what actually means what.
Health Spending Account
What Medical Expenses Are Eligible for a Health Spending Account in Canada?
The covered list is broader than most people expect. Dental, vision, mental health, and more.
Disability Insurance
Disability Insurance
Disability Insurance for Self-Employed and Incorporated Professionals in Alberta
If you're self-employed in Alberta, you are your own safety net. Here's what that means.
Disability Insurance
Disability Insurance vs Critical Illness Insurance — What's the Difference?
These two products are often confused. They solve different problems and you may need both.
Critical Illness
Critical Illness
What Does Critical Illness Insurance Cover in Canada?
Most people think CI is only for cancer. The covered conditions list is much broader than that.
Critical Illness
Critical Illness Insurance for Business Owners and Incorporated Professionals in Alberta
For a business owner, a CI diagnosis isn't just a health crisis — it's a business crisis.