Dan Poole

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How Simplified Issue Insurance Makes Buying Insurance Easy

by Dan Poole Last updated on September 20, 2017

Photo by Tran Mau Tri Tam on Unsplash

Buying life insurance is easier now than it has ever been – including buying online!

Although it is a few years old now, a concerning study was published in 2014 that revealed far fewer Canadians were buying life insurance than three decades ago, yet one-third of Canadian households would face financial difficulty if the primary household earner were to pass away. Why would people NOT buy insurance despite having a need? Some of the most common reasons we have heard are:

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Insurance 101: What Term Should I Choose For My Term Life Insurance?

by Dan Poole Last updated on July 19, 2017

Image: Danielle MacInnes

So, you’ve made the decision to buy life insurance?  Good for you!  It’s a major step in preparing you and your family for years of financial security. You’ve done the research on buying term life insurance or permanent life insurance and have decided to go with term insurance. But what term should you choose? In this Insurance 101 post we cover some of the factors to consider when deciding on a term for your term life insurance policy.

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I Have No Dependents - Do I Need Life Insurance?

by Dan Poole Last updated on May 15, 2017

Image by: Patrick Tomasso 

When people contact us looking for life insurance, and we ask them why they feel they need it, the most common answer is “to provide enough money to look after my spouse and kids if I die too soon.”

Indeed, income replacement, children’s education funds, and paying off debts are the most common reasons families buy life insurance. But what if you have no dependents? Do you still need life insurance?

The answer is yes. Here are some reasons why.

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Insurance 101: Term Life Insurance vs. Permanent Life Insurance

by Dan Poole Last updated on December 14, 2016

In this Insurance 101 blog we’re covering one of the most common questions asked by people shopping for insurance – what’s the difference between Term Life Insurance and Permanent Life Insurance?

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Insurance 101: Life Insurance

by Dan Poole Last updated on November 16, 2016

What is life insurance?

In its simplest terms, a life insurance policy is a contract to provide a guaranteed payment of a lump-sum of money upon the death of the person who is insured. In return, the owner of the policy agrees to pay regular payments, called premiums, for a specified period of time.

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The importance of having insurance: bad things don't only happen to other people

by Dan Poole Last updated on June 29, 2016

One of the complaints I hear about insurance advisors is that they sometimes frustrate people by using fear to pressure their prospective customers to buy. When I started as an advisor, I swore to never use scare tactics and tell stories about people in my network who did or didn't have insurance, and the impact it had on their lives. But something happened recently that I felt compelled to share. 

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