Lifestyle Insurance & Benefits
Suite #202 3303 Coldstream Avenue V1T 1Y1 Vernon, BC, Canada

Little article on the worlds healthiest nations and why.... Guess where Canada is at... # 16 There are a few factors contributing to this rating: - how healthcare money is spent... - what we eat - how we exercise and perhaps a little nap here n there. Check out the link for more details, I'm off to get healthy :) https://www.weforum.org//these-are-the-world-s-healthiest-

Little article on the worlds healthiest nations and why.... Guess where Canada is at... # 16 There are a few factors contributing to this rating: - how healthcare money is spent... - what we eat - how we exercise and perhaps a little nap here n there. Check out the link for more details, I'm off to get healthy :) https://www.weforum.org//these-are-the-world-s-healthiest-

We’ve taken the first few steps into the new year and everyone is back to the grind. When the new year comes around everyone talks about resolutions and changes they want to take but I've come to live by this rule: ++++If you want something to happen - start it today.++++ We always hear " I'll start working out on Monday, I'll take that trip when I get some time off, I'll book that appointment when I make some time"....and that time rarely ever comes until it's too late to d...o anything about it. Let 2019 be a year of TODAY. Only TODAY is guaranteed.

This was a great article sent out by Benefits by Design that talks about importance of sleep... what better way to start your weekend! Get some rest folks :) https://www.greenshield.ca//how-our-anti-sleep-culture-is-

A few questions that come up in conversation is the difference between being covered through your employer and having individual coverage. A few reasons why its not the same thing: - The coverage ceases when your employment with the company does - The employer owns the policy and can terminate the plan at their discretion -The coverage is not transferable or renewable - the coverage is not customizable to your specific needs... Give us a call and we can help asses your needs and make sure youre secure with good coverage. Happy Friday!!

Travelling into Canada over the holidays? Check out the link below to make sure you don't require an Electronic Travel Authorization ( eTA) to enter or travel through Canadian airports. ***Visit our page for more information on emergency medical and trip cancellation insurance.***... https://www.canada.ca//immi/services/visit-canada/eta.html

It won’t happen to me There is a common misconception that disabilities result from a catastrophic one-time incident... - A disability could also be mental illness, cancers, cardiovascular disease, musculoskeletal diseases ...not everything is in your control. - 1 in 3 Canadians will experience a period of disability lasting longer than 90 days.. - 81% of people with a disability reported using assistive technology/specialized equipment ie. a customized power wheelchair c...an cost more than $10,000, a porch lift can cost upwards of $5,000 etc.. Adapting to a condition or sickness can cost thousands of dollars. - Disability generally costs between 1-3% of your income Come in for a chat with us today! See more

Weve taken the first few steps into the new year and everyone is back to the grind. When the new year comes around everyone talks about resolutions and changes they want to take but Ive come to live by this rule: ++++If you want something to happen - start it today.++++ We always hear " Ill start working out on Monday, Ill take that trip when I get some time off, Ill book that appointment when I make some time"....and that time rarely ever comes until its too late to d...o anything about it. Let 2019 be a year of TODAY. Only TODAY is guaranteed.

12 days to Christmas and we all know what that means.....last minute travelling, shopping and wrapping. When travelling across the border there is a dollar limit to how much you can bring back: less than 24 hrs $0, no personal exemptions 24-48 hrs $200 per person... more than 48 hours $800 per person Check out the mini guide for some examples but for details on specific items call the CBSA toll free at 1-800-461-9999

There is more to purchasing a life insurance then you think but it’s also made simpler then ever before. Today I want to bring up a few points that have come up in recent conversation that I found interesting. Did you know.................................. - For most insurance companies you could apply for non-smoker rates if you have refrained from smoking cigarettes for at least 12 months. (marijuana use has different definitions) talk with your advisor - Obtaining a lif...e insurance policy instead of a mortgage insurance works just as well or even better in some cases talk with your advisor - There are life insurance companies that will exclude certain activities or conditionsread the fine print and discuss details with your advisor before writing a policy - If you have a budget on how much you can spend on insurance your advisor can work around creating a plan for you to suit your needs talk with your advisor - When applying for insurance being pregnant is considered a condition and may delay the underwriting process, result in being rated or having exclusions. Plan ahead- talk with your advisor. You guys get the point.. it’s important to have an open and honest relationship with your advisor. Take the time to discuss your concerns, financial situation, lifestyle and health history. We are working on your team and want to make sure you’re protected and cared for.

My post today will be a short but sweet reminder Today a year ago I was on my way to Mozambique, Africa not to vacation and do a little safari (although those dreams are still yet to be fulfilled) but to do some humanitarian work and share a little love with this world. These experiences have grounded me to realize we need to set time aside from our every day to do a little good in this world. We cannot take for granted the prosperity and blessings we have living in Canada -especially the Okanagan. They say life is the sum of your decisionsmake them count!

Our little booth at the Alberta Professional Outfitters Society AGM last week. You did a good job speaking and setting up Maria Delaney thank you for your hard work!

It doesn't ever need to be this way! Give us a call today and we will set up a time to chat about your insurance needs!

Welcome to the first blog post on the Lifestyle Insurance and Benefits page. Over the years that I’ve been in this industry I have never stopped learning. Never stopped being surprised at how unexpected life can really be. I witnessed just how important it is to assess your insurance and financial protection needs so that you can act now rather then when its too late. At the start of this year I had a conversation with a group of young people that were talking about how tab...oo the topic of insurance is among their age group. They didn’t have faith in insurance policies because they didn’t understand how it worked or imagined it to be a long and gruesome process. It was then that it dawned on me, I need to create a comfortable and easy space to talk about our lifestyle and what were doing to protect ourselves and the ones we love. I would love to be able to provide some insight and a platform to openly ask questions or talk about experiences. My biggest priority is to provide an understanding of how important it is to think about the things we really don’t want to be thinking about and share everyday lifestyle tips and fun facts along with it. I invite you to participate, share your questions, comments ideas and thoughts. I look forward to this new adventure. - Vicki Boitchenko- See more

Travelling into Canada over the holidays? Check out the link below to make sure you dont require an Electronic Travel Authorization ( eTA) to enter or travel through Canadian airports. ***Visit our page for more information on emergency medical and trip cancellation insurance.***... https://www.canada.ca//immi/services/visit-canada/eta.html

It wont happen to me There is a common misconception that disabilities result from a catastrophic one-time incident... - A disability could also be mental illness, cancers, cardiovascular disease, musculoskeletal diseases ...not everything is in your control. - 1 in 3 Canadians will experience a period of disability lasting longer than 90 days.. - 81% of people with a disability reported using assistive technology/specialized equipment ie. a customized power wheelchair c...an cost more than $10,000, a porch lift can cost upwards of $5,000 etc.. Adapting to a condition or sickness can cost thousands of dollars. - Disability generally costs between 1-3% of your income Come in for a chat with us today! See more

Lifestyle Insurance & Benefits proud to support the Association of Canadian Mountain Guides at their AGM this past weekend in Canmore, AB.

There is more to purchasing a life insurance then you think but its also made simpler then ever before. Today I want to bring up a few points that have come up in recent conversation that I found interesting. Did you know.................................. - For most insurance companies you could apply for non-smoker rates if you have refrained from smoking cigarettes for at least 12 months. (marijuana use has different definitions) talk with your advisor - Obtaining a lif...e insurance policy instead of a mortgage insurance works just as well or even better in some cases talk with your advisor - There are life insurance companies that will exclude certain activities or conditionsread the fine print and discuss details with your advisor before writing a policy - If you have a budget on how much you can spend on insurance your advisor can work around creating a plan for you to suit your needs talk with your advisor - When applying for insurance being pregnant is considered a condition and may delay the underwriting process, result in being rated or having exclusions. Plan ahead- talk with your advisor. You guys get the point.. its important to have an open and honest relationship with your advisor. Take the time to discuss your concerns, financial situation, lifestyle and health history. We are working on your team and want to make sure youre protected and cared for.

My post today will be a short but sweet reminder Today a year ago I was on my way to Mozambique, Africa not to vacation and do a little safari (although those dreams are still yet to be fulfilled) but to do some humanitarian work and share a little love with this world. These experiences have grounded me to realize we need to set time aside from our every day to do a little good in this world. We cannot take for granted the prosperity and blessings we have living in Canada -especially the Okanagan. They say life is the sum of your decisionsmake them count!

It doesnt ever need to be this way! Give us a call today and we will set up a time to chat about your insurance needs!

Welcome to the first blog post on the Lifestyle Insurance and Benefits page. Over the years that Ive been in this industry I have never stopped learning. Never stopped being surprised at how unexpected life can really be. I witnessed just how important it is to assess your insurance and financial protection needs so that you can act now rather then when its too late. At the start of this year I had a conversation with a group of young people that were talking about how tab...oo the topic of insurance is among their age group. They didnt have faith in insurance policies because they didnt understand how it worked or imagined it to be a long and gruesome process. It was then that it dawned on me, I need to create a comfortable and easy space to talk about our lifestyle and what were doing to protect ourselves and the ones we love. I would love to be able to provide some insight and a platform to openly ask questions or talk about experiences. My biggest priority is to provide an understanding of how important it is to think about the things we really dont want to be thinking about and share everyday lifestyle tips and fun facts along with it. I invite you to participate, share your questions, comments ideas and thoughts. I look forward to this new adventure. - Vicki Boitchenko- See more

Hurricane Irma has shown us the value of registering with the Canadian Consulate before you leave on vacation. Its quick and easy on the following website. https://travel.gc.ca/travelling/registration

Most group insurance plans provide adequate travel insurance for the typical family vacation. But some travelers have unique adventures planned or extenuating circumstances that need to be addressed. Do you: travel for extended periods of time? have young adults studying away from home? participate in high risk/adventure sports?... have pre-existing medical conditions you are concerned about? require Trip Cancellation/Interruption? Or perhaps you are looking toward retirement and feel you may require extra travel insurance to supplement your health plan. We have coverage options to meet your specific needs! Contact our office at 250 542 8577 or [email protected]

Great Information! http://blog.tugo.com//blog/is-my-passport-valid-for-travel/

http://www.nationalgeographic.com//featur/best-trips-2017/

http://www.vernonmorningstar.com/business/400040031.html

Contact us for your travel insurance needs! http://in.reuters.com//us-health-aging-vacation-meditation

CRA Changes impacting Life Insurance Policies There are significant changes coming in the life insurance industry on January 1st 2017 as CRA has updated the legislation surrounding taxation of permanent Universal Life (UL) plans. These policies are used as sophisticated financial vehicles for estate and business succession planning. In most cases clients have identified the tax advantages of using life insurance to pay for the final expenses and inevitable tax liabilities their family will incur upon their death. All Canadian insurers will be impacted by these revisions. For any clients that wish to discuss how you can use your existing life insurance policy to benefit from these changes there is limited time available to process conversions. Please contact us immediately if you are interested.

Travel Insurance Seminar Perhaps youve bought travel insurance in the past or you have questions about your winter plans? Plan to attend our seminar on October 19th, 2016 and get the real story on travel insurance and why its important. Learn about changes in the industry and new plans available to Canadians.... Well share the basic guidelines for purchasing to ensure you get the right coverage for your situation. October 19, 2016 Time: 10:00 to 12:00 Location: Okanagan Regional Library, 2800 30 ave, Vernon BC Topics will include Eligibility Types of plans available Medical Health Questionnaire Coverage for pre-existing conditions Rates What does my provincial plan cover? Credit Card coverage Travelling within Canada Let us know if youll be attending and well save your seat RSVP to Maria Delaney [email protected] 250-542-8577

RRSP Deadline is Approaching

Can you afford to assume your provincial healthcare will cover you while abroad? For BC residents, MSP will only cover $75/day for hospital coverage. Read the article below to learn why that was most definitely not enough for this poor traveler. Before you assume, consult a professional (Like me ;) ) who can help you avoid any mishaps that will cost you dearly.

We recently came across a fantastic article that is specific for purchasing insurance when youre a young adult. No one wants to think about their own mortality, but the reality is that we never know what will happen. What we do know, is that you can make the grieving process a lot easier on your loved ones, when you have a plan in place. Take a look at this article and dont hesitate to phone us with any questions you may have! Were here to help.

Are you or is someone you know going for a trip to beat the winter blues? Make sure youre covered! Call Brianne to ask about how we can cover you for all of lifes little & big unexpected vacation ruiners!

Group Benefits & Retirement News

The Team - Brian, Geoff, Sonja, Wendy, Brianne & the littlest members, Ben & Alexa

Do you know how much it would cost if you had to hire a full-time nanny, cook, housekeeper and personal driver? Stats have shown the "salary" of a stay-at-home spouse can be close to $50,000. When thinking about personal critical illness or disability policies, dont be so fast to undervalue someone who stays at home!

To put it simply: Get medical insurance, or stay home. Existing coverage can have loopholes, especially when you are travelling to other countries. Dont assume you are covered for all types of emergencies. Just because you dont think it will happen, doesnt mean it wont. Get yourself covered for all of lifes big, little and in between "oopsies" !!

Call us today & talk to Bri for your free travel quote!

First time Home-Buyer? Dont be so quick to sign on to the Mortgage Insurance offered by the bank, they dont always have your best interests at heart. Give us a call today and talk to one of our agents who will make sure you are getting the most out of your protection!

Happy Monday! Was it just us, or did that weekend go by a little too fast this time?

Taking a trip? We provide Travel Cancellation/Interruption Coverage, as well as Visitors to Canada Emergency Medical, Canadian Emergency Medical Worldwide, and Emergency Medical coverage for Canadians within Canada, to provide coverage for any holes your regular provincial coverage might have. Our company specializes in coverage for Cat-Skiing, Heli-Skiing and Back Country Adventures, and all of our Medical Policies include Emergency Air Evacuation Coverage (Heli-Evac). Call us today @ 250-542-8577 and talk to Brianne!

A really great article on the difference between the trip coverage you receive through a credit card company as opposed to using a company with knowledge on all of the specifics necessary :