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What is a late applicant?

Group insurance carriers require that employees and their dependents enrol for group benefits within 31 days of becoming eligible (usually three or six months after being hired). A good way to avoid having late applicants is to have new employees complete their enrolment forms when first hired.

Our behaviors produce the results we see in our lives.

Life insurance can be an ultimate security blanket, but how do you know if you’re buying it for the right reasons and from the right person?

Until recently, many retirees have been able to rely upon the three-legged stool of retirement income sources: a defined benefit pension plan that guarantees a lifetime income, their own savings and the Canada Pension Plan (CPP).

I don’t gamble. And I don’t believe in luck.

It’s not because of any moral principle or general pessimism. It’s because of something I learned when I was 16.