Author: Seun Adeyemi

Why Disability Insurance is Important

In our series on insurance, we’ve discussed the different types – from Term Insurance to Permanent Insurance – and life insurance and estate planning. In this week’s article, we’re going to cover an often overlooked type of insurance: Disability.   What is Disability Insurance? While most people wouldn’t hesitate to buy home or auto insurance, what about your most valuable asset: your ability to earn a paycheque?  Home and auto insurance protects your properties against unfavorable circumstances and life insurance protects your family financially if you pass away. What role does disability insurance play? It protects YOU financially if...

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Life Insurance and Estate Planning: Taking Care of Your Loved Ones When You’re Gone

  As a continuation of our series on life insurance, this week we explore the concept of life insurance being used for estate planning. In our previous articles, we discussed the different types of life insurance – from Term Insurance to Permanent Insurance – and the different types of permanent insurance, including the pros and cons of each.   What is Estate Planning? An estate is the net worth of a person at any point in time alive or dead.  That is, the sum total of a person’s assets – legal rights, interests and entitlements to property of any kind – less all liabilities at that time. Estate...

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The Ins and Outs of Permanent Insurance

With September being Life Insurance Awareness Month, we thought it would be the perfect time to dispel some myths about life insurance. This is the second in a series of articles about life insurance. Life insurance is vital for families, especially those with children. It allows you to take care of the people that matter the most to you should the unthinkable happen. It ensures your hard work and legacy lives on even when you’re no longer around. For the wealthy it is used as an advanced planning tool to mitigate the impact of taxes on winding down an...

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The Ins and Outs of Term Life Insurance

With September being Life Insurance Awareness Month, we thought it would be the perfect time to provide some education and dispel some myths about life insurance. This is the first in a series of articles about life insurance, which will go over several different types of coverages, how they work, as well as the pros and cons of each. Life insurance is vital for families, especially those with children, as it allows you to take care of the people that matter the most to you should the unthinkable happen. It ensures your hard work and legacy lives on even...

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Market Commentary

During a stretch of six trading sessions, from August 20th to the 28th inclusive, the average daily swing in the Dow Jones Industrial Average (high-low) was 607.59 points, 1089.42 points on the 24th alone. That’s not just volatility, that’s Don Cherry’s wardrobe.   One is tempted to believe what we are told: that the aforementioned volatility is wholly attributable to the burst in China’s bubble, the most closely followed China-based ETF lost an astounding 56% of its value from April 28th to August 24th.   Of course, that’s too simple and explanation.  Who didn’t think the Shanghai market was...

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