INSURANCE | What is Whole Life Insurance
December 10, 2017
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INSURANCE | What is Whole Life Insurance
Real Life Parenting Moments
December 4, 2017
Celebrate 50 years of family at Gerber Life Insurance with this fun look at parenting today.
Visit https://www.gerberlife.com/ to learn more about how our insurance policies can help protect your loved ones today!
Life Insurance 101 – Young Guys Finance
November 29, 2017
Be sure to check out FSCO’s website here for more information about Life Insurance: http://bit.ly/2zc52Q2
We also did a video about Supplementary Health Insurance and Dental Insurance, check it out here: https://youtu.be/NEdGNwVs8qU
As a part of Financial Literacy month, we’ve partnered with the Financial Services Commission of Ontario, also known as FSCO to talk about life insurance. Specifically, what it is, how it works, and why it’s important.
We also did a video explaining how health insurance works, you can find the link below in the description.
Life insurance works similarly to other insurance plans or products. Throughout the life of your policy, you pay a monthly or annual amount, called a premium, into a pool managed by an insurance company, called the insurer.
When you pass away, expectedly or unexpectedly, the insurer will pay a lump sum, known as the death benefit, to your beneficiary or estate.
A beneficiary is someone that you choose to receive the lump sum when you die.
This money can be used to pay off funeral costs, mortgages, credit cards, or any other debts.
You might be asking, why do I need life insurance? Remember that not everyone NEEDS life insurance, but it is another product to consider in your financial plan.
If you’re the main provider for your family, in the event that you pass, will your family be able to cover monthly expenses like the mortgage, without you? A life insurance payout could alleviate the financial stress.
It’s hard for young Canadians to think about life insurance so early in our lives, because we’re just getting started. It’s hard enough to think about the next couple of years and even harder to think about retirement and beyond.
But the great thing about getting a life insurance plan when you’re young is that the monthly premiums, are often LOWER than if you started later in your life.
Our thoughts are that life insurance isn’t necessarily required for everyone, but it’s definitely worth considering if you have student debt, a mortgage, or if you’re currently the only income earner in your family.
We suggest that you talk with your partner and family to determine if life insurance is right for you.
For more information about life insurance in Ontario, we encourage you to visit FSCO’s website. See description for link.
Again, thank you to FSCO for working with us to spread the word about life insurance to Canadians.
Thanks for watching, be sure to like, comment, and subscribe!
Subscribe to our Newsletter: http://youngguysfinance.com/newsletter
How to Apply for Gerber Life Insurance for My Children : Insurance Tips & Answers
November 23, 2017
In order to get Gerber life insurance for your children, the first thing you’ll have to do is apply. Apply for Gerber life insurance for your children with help from an experienced financial planner in this free video clip.
Expert: Michael Hardy
Filmmaker: Alexis Guerreros
Series Description: Whether you’re selling insurance or buying insurance, it’s always important to remember that any question that you may have has a reasonable answer just around the corner. Get insurance tips on a wide variety of important topics with help from an experienced financial planner in this free video series.
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November 18, 2017
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Globe Life Insurance commercial
November 13, 2017
Aired on Cartoon Network in 2005. Look at all of this stock footage!
Learning how to adult
November 9, 2017
*Hit the like button for more sketch vlogs!*
Ah yes, insurance. It’s a lot simpler than it seems. But we still put it off. We should stop that.
Learn a thing
Life insurance: http://bit.ly/2ytKV2D
Supplementary health and dental insurance: http://bit.ly/2zs4uq8
Thanks to FSCO for sponsoring this video!
Tweets by Nanalew
Guess whose renovation is almost over? Me. Yeah it’s exciting but also terrifying because everything is really expensive. It’s weird being an adult in general. Like let’s be honest. Every good thing has ten responsibilities and stressors just wrapped around it. So this renovation? Wonderful. Amazing. But also now it’s just like I have to clean, I have to move in. I have to clean. I have to call the duct vacuuming guys that I’ve been putting off calling.
You can’t summon them with your brain, you know. Gonna have to call them. Harsh reality. Interaction.
When did I become an adult? I don’t know. I’m not sure. It just sorta happened. Honestly, I’m grateful that I matured. Because you’re supposed to become an adult and not keep your bumper on with duct tape.
But I still put off a lot of the adulty things I should do like persuing personal insurance. I run my own business so I don’t actually have life insurance, or employee health benefits, or anything.
Haven’t rotted out of your head? Another successful year. You’re never going to the dentist again.
Now, where I live in Ontario, fantastic health benefits. But not everything is covered, so if you’re like me you have a lot of additional little issues you have to pay for yourself.
Yeah, so if you could just take out all of my muscles and replace them with new ones, that would be beneficial. Remember Inspector Gadget? What’s that package cost? I’m interested in that.
Things like massage, dental, chiropractic, physio, and mental health treatments aren’t covered by the Ontario Health Insurance Plan. So if you’re like me and you have chronic pain, you may want to get health insurance to cover those costs. At the moment, it’s Financial Literacy Month, and the Financial Services Commission of Ontario has partnered with me to explain how health and life insurance work. Which is good, because I need to learn and I tend not to learn things until I have to because I put them off.
Right, yes, I understand the oil goes in the car. What I don’t understand is where the mouth is.
So health insurance. It’s pretty straightforwards, but it’s important to note that even when you get supplementary health insurance, it still won’t cover everything. So you need to know about your deductibles and your maximums. Now a deductible is the base amount you pay each year before your insurer pays anything. You’ll also probably have a yearly maximum on your coverage. And that means you’ll get like 0 a year for your dental, 0 a year for your massage. And then you just use it.
Oh yeah, I called my service provider and it turns out I have a 0 maximum so if you could fix everything wrong with me in the next two sessions, that’d be great.
You’re just washing your hands, right?
Linda, I realize we need boundaries, but it’s been 43 minutes.
And then after your treatment, you file a claim with your provider. So they may want you to send them your receipts or they may give you a card to give to the service provider to they can file a claim for you. And in that case, just hold onto your receipts just in case the insurance company wants it. And if you’ve ever paid any tax ever, you love keeping receipts. It’s your favorite thing. You don’t lose any of them. Ever.
This is good. This is what these are for. Park N Fly! I went to the airport! What year is this? What year is this? It’s just all travel and food. Mostly food.
And now for life insurance. Morbid, but also smart and important. When you purchase a life insurance policy you pay a monthly or yearly premium so they upon your death your insurer will pay your loved ones a death benefit.
I don’t have a joke for this. I’m very uncomfortable.
And that benefit can then be used for your funeral costs, debts, taxes, and fees first. And then the remainder goes to your loved ones, or beneficiaries. I think if you have a lot of people depending on you or if you have a fair amount of debt that would fall on your family, then life insurance is pretty important. Yeah? Yeah, you think? Maybe.
Thanks to FSCO for sponsoring this video. You can visit their website to learn more about Health and Life Insurance in Ontario. Just click the links in the description.
This was fun. I feel pretty irresponsible. Hopefully you do too. See you in a few days.
Ow. My foot. I’ve been leaning on my foot so long.
What’s the difference between General Insurance and Life Insurance?
November 4, 2017
From policies to premiums, coverage to claims; it’s important to know these things when it comes to Insurance.
Meet Bob, he’s here to help you understand the A’s to Z’s of Insurance better.
Protect Your Family with Gerber Life Guaranteed Life Insurance
October 30, 2017
Final expenses can be costly and difficult to predict. Gerber Life can help you protect your loved ones against this costly burden with our Guaranteed Life Insurance.
Learn more at our website: https://www.gerberlife.com/adult-life-insurance/guaranteed-life-insurance
Term Life Insurance – Globe Life And Accident Insurance Company
October 24, 2017