In this article, we’ll explore why the era of promo-hopping is winding down, what risks savers face if they continue this strategy, and smarter alternatives for securing your financial future.

In this article, we’ll break down the best low-risk investments for Canadians in 2025, taking into account market conditions, tax implications, accessibility, and growth potential.

When considering early withdrawal from your life insurance policy, particularly permanent ones, it’s important to understand the potential penalties, like surrender charges, and how they work. This guide explains these penalties and offers alternatives to minimize their impact.

A cancer diagnosis can impact your financial plans—but life insurance is still possible. Here's how to find the right coverage in Canada, even after treatment or during remission.

Survivorship life insurance, or second-to-die insurance, provides a death benefit only after both policyholders pass away, making it a valuable tool for estate planning and covering estate taxes. It helps ensure a smooth transfer of wealth to beneficiaries, though it has both pros and cons.

Insurance protects individuals and businesses from financial risks by pooling resources and sharing risks. Actuaries use advanced mathematics, statistics, and financial theory to ensure insurance companies operate efficiently, remain solvent, and provide necessary coverage.

Joint life insurance covers two individuals under one policy, providing financial protection for families. When one spouse passes, it triggers important financial, legal, and emotional decisions for the surviving partner.

Insurance premiums are determined through the collaboration of actuaries, underwriters, and adjusters, each playing a crucial role in assessing risk, setting fair prices, and ensuring appropriate coverage. Understanding their roles reveals the complex process behind determining insurance costs.

Life insurance is traditionally seen as a safety net, but some policies—like whole or universal life—are marketed as investment tools with cash value. This article explores whether they’re smart financial strategies or costly traps.

Life insurance provides financial security for beneficiaries, but claims can sometimes be denied, leaving them in a tough spot. Understanding the reasons for denials can help policyholders and beneficiaries navigate the process and avoid common mistakes. Here are 15 reasons Canadian life insurance companies may deny claims.

Life insurance offers financial security for a policyholder's family after their death. In Canada, beneficiaries must follow specific steps and understand the legal process to access the payout.

When someone passes away in Canada, the CPP Death Benefit offers a one-time, taxable lump sum to help cover funeral expenses. This article explains who qualifies, how to apply, and what documents are needed in 2025.