Whether you’re trying to insure your life, your income, your health, your business  or fleet, the costs add up quickly.

That’s why you should only buy insurance to protect yourself and your business from unlikely events—and only enough to maintain your standard of living in the event the unlikely does happen: no more.  I will review the risks you have and suggest the types of insurance you require and how to shave 5% to 30% off the price of what you do need.

You don’t have health insurance through your employer.  No problem! An annual Travel Medical insurance policy that covers you for unlimited trips of 10 days or less in duration, costs just $60 annually. You can reduce your home insurance premiums by including a security or sprinkler system, oh and by kicking that smoking habit too. What have you done to spring flood or sewer back up? Have you got the right insurance? Would you be prepared to correct make a claim if necessary when you have the right insurance?

For more money saving tips, let’s chat over a coffee.

If you have not reviewed your insurance in the last THREE years, like 69% of Canadian, it is time to review your current risks and be sure you have the right insurance.

I will give you a free half hour evaluation of all your insurance. Then we can proceed from there if you wish.

Call me Glenn at 1-888-256-8685 or email glenn@cuttherisk.com

www.cuttherisk.com

The post The right insurance – at the best price first appeared on Insurance - Disability, Estate, Critical Illness, Travel, Life - Glenn Stewart.

Do you want a get-well card or a paycheck?

After having a heart attack, stroke or getting cancer, do you want a get-well card or a paycheck? While getting many get well cards is nice, it won’t pay the bills. How would a check or paycheck for $10,000, $25,000, $50,000 or $100,000 help you? The truth is that most people don’t die after having a heart attack, stroke or getting cancer. Even if you have the best health insurance in the world, you will still have a deductible to pay and other expenses that you may not be considering. Such as, you will be out of work and will not be receiving a paycheck or your income will go down.

What I want to do is to send you a paycheck, instead of a get-well card. I want to make sure if you get one of the following conditions, Stoke, cancer, heart Attack or serious injury, that you will receive a check from the INSURANCE COMPANY. Let me help you determine how much you will need if one of these conditions happens to you.

The get-well card or check idea works on many different products such as Disability Protection, Critical Illness or maybe even health insurance.

My friend had 3 heart attacks. You may ask how he is still alive. He told me the other day that he should be dead after having just one heart attack. The biggest problem is the fact that he didn’t die. He has plenty of life insurance. But the question is how much insurance he has besides health insurance, to cover the expenses of having a heart attack. He was out of work for over 3 months with little income. He had to see 3 different doctors that all were far away. He had great health insurance, but it didn’t cover everything. He had an 80/20 plan and had a deductible. The bills started pilling in all at the same time and the company didn’t understand that fact that he could not work and just had a heart attack. To make this short, would a check or a get-well card had helped him? What I’m selling is protection and a check. I just wrote this up in a hurry to show you. This is not a letter that normally send to my clients. Many insurance companies will give you something to send to the clients promoting these kinds of products, but I would also use this with it. I want to show you the idea and you can make it your own. I’m trying to just show you the concept of the idea. How many people do you know that could have used a check instead of a get-well card?

Let’s have a coffee to discuss you situation. Glenn Stewart 519-896-9970 or glenn@cuttherisk.com

The post Had Stroke, Cancer Want a Get Well Card or PayCheck first appeared on Insurance - Disability, Estate, Critical Illness, Travel, Life - Glenn Stewart.

Health Spending Account is now available to Canadian small business owners.

Write off all your medical and dental expenses, get 100% coverage.

A Health Spending Account (HSA) is an alternative to traditional health insurance. Used by over 30,000 small business owners across Canada, the Health Spending Account is a special account that is established to exclusively pay for healthcare services for you and your family members.

Features of the Health Spending Account

Write off 100% of your personal medical and dental expenses with a Health Spending Account

-Convert out of pocket medical expenses into legitimate business deductions

-Create value by lowering the cost of your medical expenses and reducing your personal taxes

Get 100% coverage with a Health Spending Account

-Laser Eye Surgery

-Extended dental (including orthodontics)

-Chiropractors and other paramedical services

Experience the freedom of:

-No Medical Underwriting

-No Co-Insurance Payments

-No Deductibles

Get Instant Online Claims with a Health Spending Account

Submit, pay, and be reimbursed online

Reimbursement in 24-48 hours

Includes Comprehensive Travel Insurance with $5 million coverage for 60 days.

Are you a small business owner in Canada? Discover how the Health Spending Account can be the ultimate match for your business by calling Glenn today at 1.88.256.8685 or email glenn@cuttherisk.com

The post Health Spending Account – Small Business BEST kept Canada’s TAX Secret! first appeared on Insurance - Disability, Estate, Critical Illness, Travel, Life - Glenn Stewart.

More than one-third of all Americans/Canadians haven’t saved any money for retirement savings, according to a Bankrate.com report.

And 69% of those ages 18 to 29 haven’t saved anything, along with 33% of those between the ages of 30 and 49, 26% of those ages 50 to 64 and 14% of people 65 and older.

And people with part-time jobs are nearly twice as likely as full-time workers to have no retirement savings plan.

“Regardless of age, there is no better time than the present to start retirement saving,” says Bankrate.com chief financial analyst Greg McBride. “The key to a successful retirement savings is to save early and aggressively, but even those on the cusp of their golden years should have some money allocated toward equities as opposed to all cash and bonds.”

Despite their lack of retirement savings, millennials feel more financially secure than any other age group. They feel more secure in their jobs and more optimistic about their current financial situation than any other age group.

The survey also finds that Americans’/Canadians’ comfort level with debt remains mixed. Sentiment slipped slightly this month, as those less comfortable with debt compared to last year edged out those more comfortable. At present, 24% are less comfortable while 23% are more comfortable than one year ago.

Are you paying yourself now by putting money in retirement savings? There are many ways to retirement saving e.g. RSSP plan, segregated funds  Mutual Funds and there are other types. Firstly you should talk to an insurance advisor to find the best plan type for you.

Call Glenn to help you find your best plan. Call 1-888-256-8685 or glenn@cuttherisk.com

www.cuttherisk.com

The post Retirement Savings first appeared on Insurance - Disability, Estate, Critical Illness, Travel, Life - Glenn Stewart.

Buying Travel Medical Insurance for a trip outside Canada or your home province  just makes sense. You never know what emergency will befall you and, in the United States especially, medical bills can mount quickly.

What Snowbirds need to know about Travel Medical Insurance

Did you know that if you need to see a doctor in Florida, you could be handed a bill for $1,200? OHIP would pay $50.12 of it — the price of the visit if it had happened in Ontario. An overnight stay in hospital could cost $10,000 in the U.S. OHIP would pay $400 if you were in a cardiac ward or ICU. A good reason to buy travel insurance. But even extra coverage won’t help if it’s decided what ails you is a ‘pre-existing’ condition.

 To help you plan your trip …

Travelling this Winter Snowbirds?

Here are Seven tips to review while getting the Medical Travel Insurance for your trip.

1. Know what the policy says Every policy has limitations and exclusions (and) “pre-existing-conditions” exemptions.  Read what is covered and under what conditions.

2. Know your medical conditions and medical history! Know your medical conditions when completing the medical questionnaire. Is best to have a list of all your medications and all you medical treatments in the past years to answer the medical questions correctly. Because it is a condition to having, your claims paid. This is the stability clause in all travel policies and it is the traveler’s responsibility to know about their illnesses and medical conditions or to check with their physician if they are not sure what they are. It may be as simple as having a list of their medicines and treatment in front of them or having the information written out in front of them.

3. Be scrupulously honest and accu­rate! While there is an insurance policy for just about everyone — it just tends to cost more for higher risk cases — don’t fudge or forget when it comes to spelling out their medical history. An example is a case last year in when a Vancouver retired couple was hit with a $50,000 hospital bill, because they filled out the insurance form in­correctly. “They say, ‘Well, we made a few little mistakes in our ques­tionnaire, but you shouldn’t hold that against us, you are just trying to get us on a technicality,” he said. ‘Well what the hell is a contract except a listing of technicalities?”

4. Some policies restrict where you go. Insurance policies can have lim­itations due to warnings issued by the Canadian Federal Department of Foreign Affairs or the U.S. State Depart­ment, noted Robin Ingle, chairman Toronto-based insurance company Ingle International. “You get situa­tions where even sections of coun­tries are no-goes, so destination is an issue.” As well, U.S.-style medical bills are becoming common in a lot of foreign destinations around the world, so travelers need to make sure they have adequate coverage wherever they go.

5. What you do can be an issue. A lot of people will travel and participate in things like para-sailing, hang-gliding, bungee jumping. mountain climbing.  These events are not covered normally but can be at additional cost at issuance of Travel Medical Insurance policy.

6. Worry about the fit, not the price! Competition among insurers means that prices for coverage should not vary greatly, so find the policy that covers your medical conditions. “The difference in price from one insurer to the other is so slight Make the policy is exclusively yours, which fits your health profile.

7. Be prepared to invest some time to double-check your coverage make sure it fits your health profile, travel plans and any activities you plan to do while travelling. Do not leave it to the last minute to arrange.

The post Travel Medical Insurance! first appeared on Insurance - Disability, Estate, Critical Illness, Travel, Life - Glenn Stewart.

I can be reached at 519.896.9970 or 1.888.256.8685

I am Located at 1201-81 Church St. Kitchener, ON N2G 4M1

I deliberately arrange insurance to maximize its value for you personally or for your business.

I bring business experience with having run a small business for over 25 years…

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