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Life, critical illness & disability insurance; RESP's & annuities.

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While insurance is based on the age you ARE, not t

While insurance is based on the age you ARE, not the age you ACT... we still highly recommend acting like a kid whenever the opportunity arises.⁠
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Some forms of wealth are measured in dollars, others are measured in joy <3.⁠
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#takemebacktuesday #adultsiblings #alwaysmatureofcourse #insuranceproducts #disabilityinsurancelol

Happy Friday to all in Instagram-land. ⁠ ⁠ We

Happy Friday to all in Instagram-land. ⁠
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We are excited to celebrating some amazing things this year, with a couple major milestones this week! <3 ⁠
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And no, the fact that we actually got dressed up to go somewhere is *not* one of those milestones, but it does feel good!⁠
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- - We hit a pretty major business milestone that has been a goal of ours for YEARS (and years and years);⁠
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- - We celebrated the "Quit-iversary" of Danika leaving her full-time job to work with Tim (can you believe it's been 3 years already!)⁠
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- - Danika celebrates a birthday TODAY. Please drop a comment or emoji below to wish her a happy birthday.⁠
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And a sincere cheers, high five, fist bump, hug, etc. etc. to everyone out there working towards their goals. You got this!⁠
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#hardworkworks #businessgoals #husbandwifeworklife #dreamteam #businessowners #birthdaygal #milestones #cheers #quitiversary #dicksoninsurance

We take our summers seriously! ⁠ ⁠ And by "ser

We take our summers seriously! ⁠
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And by "serious", we mean that we make sure we have fun while our kids are out of school. ⁠
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We enjoyed this awesome set up at a friends house this past weekend. And we *almost* got it as tall as Danika, it sadly toppled over 🙁 ⁠
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What's your favourite backyard or park game: Croquet? Bocce Ball? Giant Jenga?⁠
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Have you ever made your own jenga set? ⁠
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Comment below - we would love to hear from you! ⁠
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#giantjenga #backyardgames #summershenanigans #jengamaster #summerfun #summerbucketlist

The other day, we posted a few things about term l

The other day, we posted a few things about term life insurance and what some differences are between companies.⁠
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It's important to know what is the SAME as well.⁠
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- We have contracts with top canadian insurance companies: ** ALL ** the companies we work with have strong contracts. ⁠
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- If you have policies with more than one company, you can deal with your broker directly for anything you need.⁠
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- Brokers have access to the same prices as going to a company directly. Often, they can find you a better price by shopping to entire canadian market for you. ⁠
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- The client (you) is always the boss. We are happy to share our recommendations, but we will never pressure you to purchase.⁠
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#brokersarebetter #insurancebroker #humansoverrobots #canadianinsurance #lifeinsurance #langleyinsurancebroker #lifeinsurancecanada⁠
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Term life insurance is a low cost option that a ma

Term life insurance is a low cost option that a majority of Canadian families choose for their life insurance.⁠
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What determines how much insurance costs?⁠
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There are some (maybe) obvious ones:⁠
- A higher amount of insurance benefit will cost more;⁠
- Older individuals cost more to insurance than younger people.⁠
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*But* if you are looking for insurance for yourself, your age and the amount of insurance is going to be the same for all the companies you look at.⁠
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A few things about the industry that is likely not obvious:⁠
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- Some companies have lower standard rates than others. The same amount of insurance can be less money per month comparing 2 or more insurance providers.⁠
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- Some companies are FASTER than others to get you approved. If you need insurance in place quickly, this might influence which company you want to place your policy with.⁠
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- Companies assess RISK differently. This means that your health and/or lifestyle factors are assessed differently from one company to another. Why does this matter? It might mean that one company approves you at standard rates, whereas another offers your policy with a surcharge. Or (eek), you might get a rated (surcharge) offer from one company and another would be an automatic decline. ⁠
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- Some companies offer additional PERKS such as community events and scholarship opportunities for policy owners.⁠
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And there are more, but the key idea is that there are differences and that can be a good thing. Because there are going to be some companies that are a better fit for you than others. ⁠
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Early planning (with a broker, *nudge*) can help figure out what the best companies are for your insurance needs. ⁠
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#insureyourlife #getinsurance #independentinsurance #lifeinsurancepolicy #insuranceindustry #familyinsurance #lifeinsuranceplanning #insuranceforfamilies #comparinglifeinsurance #dicksoninsurance #timdickson #langleylifeinsurance

They say that team work is the dream work, and it

They say that team work is the dream work, and it is... but flying solo can be awesome too!⁠
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Can I brag about my beautiful wife? Last week she headed downtown to watch the Canucks game from a suite with some other insurance advisors and some staff from the MGA we work with. I'm proud to see her doing so well (was there ever a doubt?!) and getting acknowledged in the industry. ⁠
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Having her working with me means we've been able to grow our business and also be with our kids a lot.⁠
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Congrats D! <3⁠
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#proudhusband #workwife #powercouple #dreamteam #workgoals #lifegoals #bestfriends #imsoproud

If you recently purchased a home – CONGRATULATIONS

If you recently purchased a home - CONGRATULATIONS!!!!⁠
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Don't forget to give your mortgage broker and realtor a big hug, high five or fist bump... the market is absolutely nutty these days and kudos to those that are able to get into a home they love.⁠
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And whether it's your first mortgage, a bigger mortgage, or even a lower mortgage - please make sure you have your bases covered. And by bases, we mean any risks associated with earning income to maintain (and pay down) your mortgage.⁠
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Dickson Insurance is here for Canadians. We insure people for their life and living health benefits. That's life, critical illness and disability insurance. ⁠
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We are independent insurance brokers. So if you went with a mortgage broker to help purchase your home, you know how amazing it is to have someone in your corner (as opposed to the lenders).⁠
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* cheers *⁠
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#brokersarethebestest #mortgagebroker #insurancebroker #buyinganewhome #insureyourmortgage #celebrateyourhome #cheerstoyourfirsthome #adulting101

True story: this happens for our clients sometimes

True story: this happens for our clients sometimes!⁠
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And we love it just as much as they do :)⁠
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Insurance quotes are generally based on "standard" health ratings. This means the average expected health of people with the same age, gender and smoking status as yourself (or whoever is applying). If you consider yourself to have above average health, you might be able to get better-than-average insurance rates! ⁠
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#chilliwackinsurance #chilliwackinsurancebroker #fraservalleyinsurancebrokers #fraservalleybusiness #fraservalleybroker #chilliwackbc #chilliwack #townsend #riverside #fairfield #yarrow #columbiavalley #cultuslake #promontory #ryderlake #rosedale #popkum #fairfieldisland #sardis #greendale #garrisoncrossing #promontoryheights #cityofchilliwack #yaleroard

Protect who you * love*⁠ ⁠ (not the bank that

Protect who you * love*⁠
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(not the bank that lends you money).⁠
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We want to be clear here - we don't hate banks and lending companies. We have our own mortgage that enabled us to get into our home. BUT we love our kids a whole lot more than the place we get our financing from.⁠
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If you have a mortgage, business or other debt - are you confident in what would happen if something happened to you? We promise that we're not trying to scare you. It's important to understand what insurance you have in place and who benefits from it.⁠
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For example, when you take out a mortgage, you often have an option for a specific type of life insurance. Why it might seem easy to tick it off with your application, did you know that it the lender is the beneficiary? That means if you were to pass away, the death benefit would go to the company that your mortgage is with, not your partner/spouse/bestie-love-of-your-life.⁠
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For either the same price (and usually less), you can have a life insurance policy that protects the people you love (and likely live with) in the event something happens to you. ⁠
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And if you never need to make a claim? Well, that's great too! All the more reason to keep the insurance costs reasonable while you protect that particular risk.⁠
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Quotes and questions are free, always.⁠
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- the Dicksons⁠
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#dicksoninsurance #insurancebrokers #lifeinsurance #mortgageinsurance #protectwhatyoulove #adultingishard #adultingainteasy #choosebetterandsavemoney #moneymatters #millenialsandmoney #mortgagesandbudgets

What does being an independent broker mean (in the

What does being an independent broker mean (in the insurance world)?⁠
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It means that we are not affiliated with a specific company, or even a small number of insurance companies. We are client-focused and highly motivated and make the experience as pleasant as possible for you. Let's be honest, thinking about life insurance and our own mortality isn't the *most* riveting topic there is....⁠
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Getting back on track though - we hold contracts with the major insurance providers in Canada. Some names you might be familiar with, some you may not. Familiar ones like @rbc and @bmocanada, as well as lesser know ones such as @equitablelife and @forestersfinancial (and there are lots more too!).⁠
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Being independent means that when a person reaches out to us for an insurance quote or recommendations, we shop the canadian insurance market to get the best option(s) for you. ⁠
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#independent #empowered #brokersworkhardforyou #brokersarebetter #brokersarebest #wereinyourcorner #unbiased #lifeinsurancecanada #insurancebrokersincanada #canadianlifeinsurance #canadianlifeinsurancebroker ⁠
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Term life insurance is the most common type of lif

Term life insurance is the most common type of life insurance that Canadians choose to protect their families.⁠
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Why is this kind of life insurance so popular? It’s inexpensive, easy to apply for and has flexible options.⁠
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In other words, life insurance is:⁠
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Simple.⁠
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Effective.⁠
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Affordable.⁠
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Q: How Do I Get The Best Life Insurance?⁠
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It’s hard to know what to look for when buying life insurance. Price matters, of course. Other than costs, what else is important?⁠
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We believe that trust matters:⁠
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- Trusting in the coverage in place;⁠
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- Trusting that your insurance advisor will always give you honest information;⁠
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- Trusting that your loves ones will be looked after in the event a claim is needed.⁠
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DM us to find out how you can get the best life insurance available. ⁠
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Quote are always free and there's never any pressure. ⁠
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Good, better, or best?⁠ ⁠ More realistically,

Good, better, or best?⁠
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More realistically, insurance planning is a mix of what's ideal and what fits within a person or family's budget. ⁠
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We're here to help you navigate the insurance world. It's okay if it seems like a lot to understand; it's what we know and do VERY well. And no, there is never any pressure if you just want to ask a couple questions or get a second opinion. ⁠
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#goodbetterbest #brokersarethebest #lifeinsurance #familyinsurance #betterlifeinsurance #ethicalbrokers #smallbusinessowner #familyfinances

Critical illness insurance (aka CI or CII) is gain

Critical illness insurance (aka CI or CII) is gaining popularity. While it isn’t “new”, more and more people can relate to the struggles of families and friends that have been impacted by cancer and other serious illnesses.

CI is a "Living Health Benefit". It’s in place to provide help (money) if something happens and you live through it.

And it sounds great, right? It mostly is. There are many advantages that one can weigh against the cost of this insurance. For most (many), we don’t have a concept of what critical insurance costs. Which is fair!! As with most things insurance-related, there are lots of options to adjust the costs to fit within a budget.

Some common questions people wonder about:

** How much?? **
You can get critical illness insurance for pretty much any amount - and it's ultimately a balance with what you are comfortable spending on insurance premiums, and how much insurance you want to have.

The equivalent of 1 to 2 years of your income is a great start. A stay at home parent that supports that family will also benefit from this, as the other parent will want to take some time off if they are ill, or will incur more expenses if they stay working.

** How long?? **
Having insurance during your working years helps to offset lost income-earning potential if you get sick.
Having critical illness insurance after your retirement years can protect your assets.

What do real numbers look like? We're going to use Tim as an example (he's a 42 year old male).

** Real life example: $100,000 of insurance **

(1) 10 year term: $48.06/month

(2) 20 Year term: $69.57/m*
This will take Timmy through most of his remaining working years. Great for mortgage and income protection.

(3) Term-to-100: $161.46/month
This is a permanent option, payable until Tim turns 100.

We firmly believe that some is better than none. Keep in mind, insurance payouts are real money, not Monopoly money. So while a smaller amount doesn’t sound ‘as nice’, it’s still a major impact if you are facing down a health scare….

Want to find out what your cost would be? Drop us a DM with your age, gender and smoking (nicotine) status. We will let you know!!!

One of the most common reasons people reach out fo

One of the most common reasons people reach out for an insurance quote, is to find out if they can get a better rate for their mortgage protection.⁠
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spoiler alert: they usually can!⁠
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It can be tricky to compare between the products; that's where we come in! If you have a mortgage with life insurance through the lender, DM us and we will see if we can get you a better price!⁠
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#mortgageshopping #applestoapples #mortgagelifeinsurance #betterlifeinsurance #wecanhelp #insurancebrokers #lifeinsurancebrokers ⁠
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Was 2021 an epic year (for your income)? ⁠ ⁠ N

Was 2021 an epic year (for your income)? ⁠
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Not only do you deserve a high five or fist bump, it's a great time to assess your disability coverage.⁠
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Why? How much disability benefit a person can get is are based on a number of factors, one of which is your INCOME. ⁠
Part of getting protection in place is confirming how much monthly benefit you would be eligible for if you were unable to work and needed to make a claim.⁠
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So if you have a high income earning year, it's a great time to set the bar. If your earnings in a future year doesn't reach that watermark, you are still set based on when you set up the disability policy contract.⁠
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Questions? Probably - disability insurance can seem pretty confusing. We're here to help you understand what your options are and get the best protection in place. ⁠
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Questions and comments are welcome below, or send us a DM! ⁠
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#langleybusinessowner #fraservalleybusinessowner #shoplocal #supportsmallbusinesses #insurancebroker #disabilityinsurance #townshipoflangley #tol #walnutgrove #walnutgrovebusinessowner #yorkson #willoughby #willowbrook #langleycity #brookswood #aldergrove #murrayville #langleyrealtor #langleymortgagebroker #mortgagebroker #fraservalleyrealtor #selfemployed #entrepreneurlife

Last week, we shared a link to our webpage and som

Last week, we shared a link to our webpage and some general information about insurance options for kids.⁠
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This week, we want to jump in and get more specific with a specific type of kids insurance that is rapidly gaining popularity:⁠
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critical illness ⁠
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Why? Because when a child gets sick, the whole family is affected. There is a physical and emotional impact. On top of that, it can have a major financial fallout as well.⁠
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We've all seen online fundraisers connected with families that are struggling- because it costs money to support kids when they are sick: time off work, travel for specialized care, etc.⁠
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More and more parents (and grandparents) are putting critical illness insurance policies in place. The good news? Kids are generally healthy and the risk of them getting sick is fairly low. This makes the cost of insurance cheaper compared to adults. ⁠
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There are now options on kids policies to have a "return of premium" rider in place. This means that if your child does not get sick (which we hope for!), you can get all, or a portion, of the premiums back. It creates a win-win type situation, in that the insurance is there if you need it, but no money is wasted if you don't.⁠
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(1) More info (blog article on Dickson Insurance) you can access on the Linkin.bio, ⁠
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(2) DM us with questions, or⁠
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(3) Comment below! 👇🏻 👇🏼 👇🏽 👇🏾 👇🏿⁠
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#criticalillnessforkids #dicksoninsurance #insuranceforkids #insuranceforchildren #insuranceforfamilies #brokersarebest #brokersarebetter #criticalillnessinsurance #CIforkids ⁠
#walnutgrove #fortlangley #yorkson #willoughby #willowbrook #brookswood #aldergrove #murrayville #carvolth #langleymeadows #fernridge #nicomekl #douglas #simonds #uplands

Should I Buy Insurance for My Child?⁠ ⁠ Our ki

Should I Buy Insurance for My Child?⁠
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Our kids and grandkids have just about everything they need these days. Insurance for children gives them a head start for tomorrow and makes sense for many families that are able to do so. ⁠
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Life insurance planning for kids and grandkids is very different than adults. The main difference is that you are planning for their future benefits, rather than ‘what if’ scenarios. ⁠
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Check the Linkin.bio to make your way to our website and learn more about life (and other types of) insurance for your youngest generation.⁠
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#lifeinsuranceoptions #shouldIorshouldntI #financialplanningforkids #millennialmoneymatters #families101 #familyfinances #grandparents #parents #wholelifeinsurance #criticalillnessinsurance #insuranceforkids #dicksoninsurance

Should I start an RESP for my child?⁠ ⁠ Probab

Should I start an RESP for my child?⁠
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Probably. And that holds true whether you are planning for your kiddo to go to formal university or a trade school program.⁠
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Why, because (thankfully), RESPs are much more flexible in terms of what they pay out for. In other words, you don’t have to choose to 4 year bachelors degree in order for your child to be eligible to withdraw what you’ve saved. ⁠
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For families that don't have am abundance of extra funds, it's a way to put aside a little bit each month and stay on track.⁠
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HOWEVER (yes, we will say this in big shout capitals even though we sell them), it’s important to be comfortable with the amount of monthly payment. ⁠
Why? RESP fund holders take the money you pay in and uses that money to invest. They choose longer term options that are relatively low risk and therefore, need you to keep paying into them for it to be profitable and make sense. So there are significant penalties if you withdraw money from them.⁠
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Another great reason for RESP's is getting access to government grants. Because free money is great money and you are eligible for government grants with many RESPS.⁠
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If you have maxed out your RESPs as far as taxes and grants go… and have some room… consider a whole life insurance policy that builds up cash value. There are many tax and investment benefits, and it’s not linked to a specific educational program. your child (as an adult), could borrow against the cash value for a down payment, fancy schmancy wedding, etc. Lots of ways for you to maintain financial control though (so don’t worry). ⁠
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If you are concerned that you ‘missed the boat’ and are too late to get an RESP with any significant value, ask us about an RESP loan. It’s an option for families that are starting with older kids. It enables you to access some of the perks you might have missed and make up for some of the lost time.⁠
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#respinfo #respsincanada #shouldibuyanresp #planningforschool #dontgrowtoday #bcrespinfo #brokersarebetter #savingforcollege

What's better than a gift you spend money on? ⁠

What's better than a gift you spend money on? ⁠
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A gift that you DON'T have to spend money on!!⁠
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Friendly announcement, that if you have a child (or grandchild) that is between the ages of 6 and 9 years old, there is a grant for $1200 available in BC. You can apply for this, even if you don't make regular contributions to an RESP. ⁠
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DM us, or follow the link in our bio to learn more!⁠
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#resp #bcparents #educationsavingplans #dicksoninsurance #bctesg #langleyfamilies #surreyfamilies #fraservalleyfamilies #childrenfirst #happyfamilies #parentingtools #childwellbeing #ittakesavillage

How do you "slow down" during the holidays to appr

How do you "slow down" during the holidays to appreciate the season? ⁠
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It can be busy and hectic, but also joyful and special.⁠
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We like to put up our tree fairly early - in part to bring able to see it on display and appreciate the lights. Moreso, the evening we set the tree up feels like an official kick off the holiday season. ⁠
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Every year, our kids get a new ornament to put up. By the time they are ready to move out on their own, they will have a box full of special gifts and memories to hang on their own trees. ⁠
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This is a carry-over for a tradition that Danika had growing up. ⁠
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What traditions have you kept going with your own families?⁠
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#xmastraditions #holidayhabits #ohchristmastree #ornaments⁠

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