Drinking Alcohol on Vacation?

Vacations are a time to relax and have some fun – often times, this includes alcohol. But beware, accidents that happen while under the influence of alcohol or nonprescription drugs won’t be covered by travel insurance in many cases. Each policy may be different and may list a different allowance of blood alcohol level in their exclusions for insurance.

If you plan on drinking during your vacation, it’s best to not engage in high-risk activity right after. You’re more likely to engage in high-risk activity while under the influence of alcohol – which can cause harm, so it is best to not do so.

If you are planning on traveling, and need help figuring out the policy and understanding the fine print, we’re happy to help. Call us at (416) 909-0400.

We’re Hiring!

Inforce Life Financial Services is expanding! We are now hiring dynamic individuals to join our stellar team. This Saturday, February 1^st we have an open house from 11am to 3pm. You are welcome to attend and get more information about our company and current opportunities.

If you are a new graduate or know a new graduate who is really looking for a career that provides growth, training, and the chance to create your own paycheck, then be sure to drop by to learn more. Inforce Life Financial Services provides training opportunities to our workers and we will have coaches on site during our Open House who can answer any questions you may have regarding a career as an Inforce Life Financial Advisor.  

For more information about our Open House, please contact us at (416) 909-0400. We’re located at 10 Milner Business Court, Suite 707. Hope to see you Saturday!

The Number 1 Reason Why Couples Argue

Did you know that money is number 1 on the top reasons why couples argue? The lack of money can cause a strain on even the best of relationships. One of the biggest factors that result in money difficulties is the lack of planning ahead. If couples are faced with an unexpected event and cost without the resources to deal with it, it causes a strain in the relationship.

Couples can help reduce the tension brought on by money problems by planning ahead - getting a health and dental insurance plan help pay for prescriptions and emergency dental treatment when needed. There is no need to argue about how to come up with money for prescriptions and dental treatment if you have a plan in place. Having disability insurance can pay for costs associated with an unexpected injury or accident – which will allow your spouse to help take care of you and not worry about how to pay for the bills during your recovery. While health issues and other major illnesses can put a couple back financially, having insurance in place that can pay for these unexpected costs can surely help make sure that your spouse and you are always covered and are on the same page.

The Choice of My Life!

I have a confession to make. I’m going to turn 40 in a few months. I felt like the last time I blinked I was 25. How 15 years just flew by, I have no idea. Life moves pretty fast. When I was single, I was care-free. With everything, but mostly about my health – I took it for granted. I figured I would always be healthy and that my body would always support me. But as I age, I can feel my body getting weaker, and I can see by my growing receipts that OHIP just doesn’t cut it for me anymore. 

When you get to my age, you realize that investing in your health is an important responsibility. Not because of me alone, but because I have a family now, I have a wife and children who rely on me – and I need to be well for them. Having my first child really put things into perspective, it made me realize that I have a responsibility to a beautiful child, and I owe it to her to be fit, healthy and strong. 

That’s why I got health insurance; I did not want to compromise my health. I wanted to be a father who was present and active in my child’s life. I wanted to be a father who was able to take care of myself. And that’s why I got health insurance. 

But honestly speaking, having the insurance has paid for itself.  I would have spent the same amount on prescriptions otherwise, but having the insurance provided me a sense of security and ease that my health was taken care of, and allowed me to focus on the more precious things in life, family. 

Health is Wealth: 4 Reasons to Consider Health Insurance

I have always been a healthy person. I don't get sick alot, and the times I do, I recover pretty fast. So whenever someone suggested that health insurance should be something I should look into, I never gave it much thought. Until of course, I ended up with diabetes. The medication I was required to take was too expensive for someone like me, who was on a fixed income. And, once I had diabetes, getting health insurance would now cost me more than had I invested in it previously. From my lesson, I learned a few important reasons as why I should get health insurance.

1. PROVIDES ADDITIONAL COVERAGE. It provides additional coverage. Many times, the government will not cover the cost of other health needs and the vital presciption drugs needed to combat certain ailments. Having a safety net through health insurance ensures that your greatest wealth, health, is always cared for.

2. ABLE TO BUY YOUR PRESCRIPTIONS. Protects you and your family against financial hardships. Regardless of your financial situation, you should never compromise your health - having insurance means you can pay for your prescription drugs even when you make be facing financial troubles.

3. RECOVER WORRY-FREE. Having Can help supplement lost income while you are recovering. Sometimes, your health takes a toll, and having an extended health insurance plan will allow you to take the time off you need to recover without worrying about paying the bills in critical cirsumstances.

4. EXPECT THE UNEXPECTED. Health problems are faced by everyone, from the young to the elderly. We cannot always plan for them, but having a health insurance provides protection against unexpected medical expenses.