Understanding No Medical Exam Insurance

You see it on TV.  No medical exam insurance.  No agent will call.  Less than a cup of coffee a day.  No burdensome medical exam.  Happy, well insured people! Surely it can’t be that easy though, is it?  If you can get life insurance with no medical exam, why would anyone bother?  Why would a…

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Why Your Financial Plan Sucks

Everybody should have a financial plan. Very few people do. A scientific poll of me, my girlfriend, and our infant daughter reveals that only 33% of Canadians have a financial plan (margin of error of +/- 2.2%, 19 times out of 20). A financial plan is a broad sketch of how you’ll use money to…

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