Ask most working Canadians what happens if they cannot work for two years, and you hear the same confident answer: “I’m covered at work.” Group long-term disability plans are one of the most valuable pieces of an employee benefits package, and I help business owners design them for exactly that reason. But I also see…
Most life insurance marketing pretends one product fits everyone. I do not work that way. Whole life insurance is a good product for the right person and a bad buy for the wrong one, and the difference matters because it is the most expensive type of life insurance you can buy. So let me give…
Life insurance does not have to be complicated. At its simplest, it answers one question: if your income stopped tomorrow, would the people who depend on you be okay? Term life insurance is the most direct, most affordable answer to that question I know. I sell permanent insurance too, and it has its place. But…
When your child is born, life insurance is the last thing on your mind. You are thinking about sleep, feeding schedules, and whether the car seat is installed right. Insurance feels like an adult problem for a much later day. I understand that instinct, but here is the part most parents miss. Life insurance is…
Most people only find out something is wrong when the symptoms show up. By then, the options are narrower and the timeline is shorter. Preventive care flips that script. It looks for trouble while there is still time to do something easy about it, and for busy business owners who cannot afford to be sidelined,…
A serious diagnosis changes everything. The question that follows is usually not whether treatment exists, it is whether you can get it in time. Canada’s public system covers the basics well, but wait times for specialists, advanced diagnostics, and certain procedures can stretch for months. When the diagnosis timeline does not match the wait-list timeline,…
Ask an incorporated professional what their most valuable asset is and most will point to the house, the practice, or the investment portfolio. They are wrong. The most valuable asset is the income itself. Do the math. A professional earning $250,000 a year from age 40 to age 65 will earn $6.25 million over a…
Buying Life Insurance Later Costs You More: Why the Cheapest Day Is Today “I’ll buy life insurance when I’m older and actually need it.” I hear this more than almost anything else in my work. It sounds like common sense. Why pay for something you do not need yet? The problem is that life insurance…
What is Group Life Insurance? Group life insurance is a policy that covers an entire group of people, often employees of a company or members of an organization. The employer or organization holds the master policy, while individual employees or members receive certificates of insurance. This type of insurance is typically offered as part of…
Living with diabetes shouldn’t hinder Canadians At Abrams Insurance, we understand the unique challenges individuals with diabetes face when seeking insurance. That’s why we’re proud to introduce a tailored life insurance product designed specifically for Canadians living with diabetes. Our goal is to provide solutions that offer a higher chance of approval, affordable premiums, and…