Alberta Life, Disability, and Health Insurance Since 1983

200, 5041 Gateway Blvd NW
Edmonton, AB T6H 4R7

VISTAPLAN BLOG

Read the Vistaplan Financial Group blog: Universal Life Insurance, Term Insurance, Disability Insurance, Critical Illness Insurance, Super Visa Insurance.

How to Review and Update Your Life Insurance Policy

Life insurance is a crucial component of financial planning, providing a safety net for your loved ones in the event of your passing. However, securing a life insurance policy is just the first step. To ensure that your coverage remains adequate as your life changes, it's essential to review and update your policy regularly.

Why Every Parent Needs a Life Insurance Policy

As a parent, you juggle countless responsibilities every day – from ensuring your child's well-being to planning for their future. In the midst of these daily challenges, it's easy to overlook an essential aspect of responsible parenting: securing a life insurance policy.

Why Entrepreneurs Need a Disability Insurance Broker

Being an entrepreneur is an exciting journey filled with opportunities and challenges. As you navigate the path of building and growing your small business, it's important to consider aspects that ensure both your personal well-being and the success of your journey.

Group Health Insurance Benefits Help Your Business as Well as Your Employees

A group health insurance policy is a type of insurance that provides coverage to a group of individuals rather than just one person. The group size can range from two individuals to hundreds and even thousands of people. Eligibility for group health insurance benefits is determined by various factors such as employee status, health status, coverage duration, and more.

Questions to Ask Your Disability Insurance Broker

If your job or business is all you depend on for your financial needs, then having protection for that income source is critical. Protect yourself by purchasing disability insurance to ensure you are meeting your financial obligations despite not working due to a disability.

Term Life Insurance Basics You Should Know Before Deciding on Policy

Typically, there are many types of term life insurance policies to suit the unique needs of every policyholder. Each of these policies has its unique pros and cons, and it’s up to you to keenly analyze what each policy means to your monthly contributions and the value you get in the long run.

Common Misconceptions About Life Insurance

Many people have been misled about life insurance. They hold on to false beliefs and myths about life insurance policies and what they are not.  That said, here are the six misconceptions to be aware of.

 - 

An Overview of Disability Insurance

If you are considering purchasing disability insurance, you are about to make the right decision. But first, you should understand the various options available so you can choose one that will work best for you and your loved ones.

 - 

Should I Buy Disability Insurance on My Own?

Disability insurance is not for a broken leg, and you certainly will not get a pay out from a disability contract if you lose your business or just quit work. To have all of your disability insurance questions answered, speak to a Vistaplan insurance broker today!

 - 

Understanding the Terms of Term Life Insurance

If you have a family, you may often ask yourself, “How can I support them long after I’m gone?” Term life insurance is a safety net for people with dependents who want to provide funds for tuition, mortgages, and other expenses.

 - 

Is Universal Life Insurance an Option for You?

A universal life insurance policy is long-lasting, affordable, and excellent if you're looking for an insurance plan that expands your estate planning. However, before you sign up for a life insurance policy, know all the facts.

 - 

What is a Rated Life Insurance Policy?

How do insurance providers know how to rate you?  They use a simple rating system to quantify risk levels and then offer a life insurance policy. If you are in a high-risk category, you get a rated life insurance policy. 

How Does Disability Insurance Protect My Business?

If you own a business, you're probably the primary employee in the business. As such, you need to take all measures to protect yourself in case of an accident. Disability is rarely the first thought in your mind, but should you become a person with a disability, your business will suffer. Protect yourself, your employees, and your business as whole by getting disability insurance. 

 - 

Should I Consider Universal Life Insurance?

Life insurance is an excellent investment to protect your loved ones when you pass. When you finally decide to get life insurance, it may surprise you to know that there are several policies for you to chose from, including universal life insurance.

Why Term Life Insurance Is A Great Choice for Growing Families

Life insurance is essential for growing families because it provides financial protection for beneficiaries when the insured party passes. With a sound term life insurance policy, you can cover costs such as lost income, college tuition, and burial costs after you're gone.

Why Every Doctor and Dentist Needs Disability Insurance

It is common for medical professionals to think about life insurance, but not as common for them to consider disability insurance. As a professional who sees people daily, it must be easy for you to understand that people can get hurt or become ill at any time.

Why Term Life Insurance is a Good Fit for the Self-Employed

The self-employed community works too hard for what they have to have it taken away from them and their families because of an unexpected event. If you are self-employed and have not yet thought about term life insurance, you should seriously consider what this kind of policy can do for you.

The Healthcare Professional’s Guide to Universal Life Insurance

Universal life insurance is excellent for physicians that want the added benefit of an investment savings plan along with flexible premiums on their life insurance. The term universal is meant to define the increased amount of possibilities that you can discover with your life insurance plan.

Things You Need to Know About Affordable Life Insurance

One reason people often get scared of insurance is because they think it’s expensive. As a result, you may be missing out on valuable insurance for the wrong reasons. Insurance can help the people in your life that rely on you and let them know they will be taken care of if something happens

 - 

Term Life Insurance Explained

Term Life Insurance is a type of insurance that does not have any cash value and the coverage will stay in force to age 80 or 85 with most companies.  But the premiums will increase at the end of term you choose.  If you choose Term 10, the premiums will increase every 10 years.  

 - 

What You Need to Know About Disability Insurance

Disability insurance is important. It provides and income to protect you and your family in times of unexpected illness or accidents that leave you unable to work. It aids you in times like these where no income can be made. . 

 - 

Why Should Children Own Life Insurance?

The right life insurance plan can help secure your babies’ future. Your child will begin to grow up and a universal life insurance policy can help accumulate cash that can be a big help later on.

Secure Your Child’s Future with Affordable Life Insurance Plans

Having a baby can be an exciting time for new parents and their families. You will no doubt begin planning for the future and that will mean looking at affordable life insurance plans. Life insurance does provide your family with choices when it comes to financial stability later should one of the parents pass away.

Family Life Insurance Plan Options for Single Parents

Purchasing life insurance is important if you’re a parent, but it’s essential if you’re the only parent. If you’re the only financial resource for your children, it’s time to consider a family life insurance plan. Here’s what you need to know about the different types of coverage that are available.

Why Universal Life Insurance May be the Right Move for You

The terms whole life insurance and universal life insurance are often used interchangeably, but there are several important distinctions between these two types of permanent life insurance. Here are four reasons to consider a universal life policy instead of a whole life policy.

 - 

3 Critical Illness Insurance Myths

Critical illness insurance is an important investment that many people think that they don't need. Here are a few important myths to help you decide.

 - 

3 Myths About Life Insurance

Life insurance is a financial tool that is used to cover liabilities in the event of the policy-holder’s death. Here are some common misconceptions.

 - 

Super Visa Insurance Explained

If you have family members living outside of Canada who want to visit you, Super Visa insurance from life insurance brokers in Edmonton can help decrease worry.

 - 

Common Life Insurance Misconceptions

There's a lot of misconceptions about life insurance in Edmonton out there. We hear them from our clients everyday, which is why our life insurance brokers want to take some time to debunk this misconceptions and put them to rest.

 - 

Why Have Long-Term Care Insurance?

Why have long term care insurance? You've been healthy your whole life, but what happens when you can't take care of your self anymore? With long term care insurance, you can make sure that you can take care of yourself and your loved ones.

 - 

What is Universal Life Insurance?

May people know of universal life insurance, but often they don't know what it means or does for them. We will answer the common question of: what is universal life insurance? That way, you won't find yourself wondering about it anymore.

Manulife Introduces Universal Life

Manulife introduces a new series of universal life contracts with both level and yearly renewable insurance costs with the advantage of a simplified investment option.

 - 

Disability Insurance for Graduates

When you graduate should you have disability insurance and how much benefit should you purchase? Avoid cheap disability insurance look at professional private plans.

 - 

How to Choose Your Life Insurance ?

Life insurance is a very important financial tool. If you find life insurance confusing here are 5 points to consider when making a life insurance decision.

Life & Disability Insurance for Alberta Health Care Professionals, Business Owners, and Their Families Since 1983