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Whether you are on short term or long term disability, adjusting to a new lifestyle can be difficult and oftentimes emotionally taxing on individuals.  Life on disability can be a huge adjustment; not only does that mean that your ailments have left you unable to work but you are suddenly forced to live a more sedentary based lifestyle.  Whether you are on disability insurance for physical or psychological disabilities, understanding your value is one of the most important ways to adjust to your new lifestyle.

Understanding Your Value

adjust-to-life-on-disability-300x250Because your workplace has consistently been your form of identity, it can be a challenge for people who are newly on disability to adapt to a different lifestyle.  Just because you are no longer working, doesn’t mean that you don’t have an identity that is valuable to the community around you.  Try finding a passion in a hobby, physical activity, or through volunteering; not only will you be able to contribute to your community but to your personal goals as well.

Get Into a Routine

Coming from a consistent career where you are accustomed to a daily routine, it can be a huge adjustment to suddenly be on disability and not have anywhere to be. However, getting into a consistent routine will help brighten your spirits and give you the motivation to get things accomplished every day.  Whether you’re routine consists of getting up early to go to physical therapy or to go swim a few laps, make sure to include some sort of physical activity in order to get your heart rate up.  Make sure to always consult your physician on what type of physical activity you can work on.

Work Towards a Goal

Working towards a goal is a great way to stay motivated, feel valuable, and boost your self-esteem.  Just because you are collecting disability insurance and are unable to work, doesn’t mean that you can’t set small personal goals for yourself. Working towards a goal is a great way to stay motivated and feel important.  After all, nobody wants to feel like they have failed themselves or their family because they are no longer able to work.

  • Setting Goals: Set Small Goals that are easy to attain at first and then slowly work up to larger goals. Such as setting up a physical fitness goal or a goal to volunteer at your church or some sort of community organization.
  • Celebrate: Celebrate your accomplishments as soon as you finish a goal by doing something nice for yourself.  This will help maintain a strong self-esteem and is a great way to get excited about celebrating new goals.

Annie Babbitt Annie Babbitt writes about her interest in current events, political science, and philosophy. She has worked for a US immigration lawyer for the past 5 years and loves being an advocate for those in need.

December 29, 2014

How to Adjust to Life on Disability

Whether you are on short term or long term disability, adjusting to a new lifestyle can be difficult and oftentimes emotionally taxing on individuals.  Life on disability can be a huge adjustment; not only does that mean that your ailments have left you unable to work but you are suddenly forced to live a more sedentary based lifestyle.  Whether you are on disability insurance for physical or psychological disabilities, understanding your value is one of the most important ways to adjust to your new lifestyle.

Understanding Your Value

adjust-to-life-on-disability-300x250Because your workplace has consistently been your form of identity, it can be a challenge for people who are newly on disability to adapt to a different lifestyle.  Just because you are no longer working, doesn’t mean that you don’t have an identity that is valuable to the community around you.  Try finding a passion in a hobby, physical activity, or through volunteering; not only will you be able to contribute to your community but to your personal goals as well.

Get Into a Routine

Coming from a consistent career where you are accustomed to a daily routine, it can be a huge adjustment to suddenly be on disability and not have anywhere to be. However, getting into a consistent routine will help brighten your spirits and give you the motivation to get things accomplished every day.  Whether you’re routine consists of getting up early to go to physical therapy or to go swim a few laps, make sure to include some sort of physical activity in order to get your heart rate up.  Make sure to always consult your physician on what type of physical activity you can work on.

Work Towards a Goal

Working towards a goal is a great way to stay motivated, feel valuable, and boost your self-esteem.  Just because you are collecting disability insurance and are unable to work, doesn’t mean that you can’t set small personal goals for yourself. Working towards a goal is a great way to stay motivated and feel important.  After all, nobody wants to feel like they have failed themselves or their family because they are no longer able to work.

  • Setting Goals: Set Small Goals that are easy to attain at first and then slowly work up to larger goals. Such as setting up a physical fitness goal or a goal to volunteer at your church or some sort of community organization.
  • Celebrate: Celebrate your accomplishments as soon as you finish a goal by doing something nice for yourself.  This will help maintain a strong self-esteem and is a great way to get excited about celebrating new goals.

Annie Babbitt Annie Babbitt writes about her interest in current events, political science, and philosophy. She has worked for a US immigration lawyer for the past 5 years and loves being an advocate for those in need.…

December 20, 2014

Manulife Bank: The Best High Interest Rate Savings Account

Make 1.55%1 on your cash savings with the online bank you can count on

Over the past six months, some online banks have changed ownership and dropped interest rates on their personal savings accounts. If this has happened with your bank, it’s an ideal time to review your options to see if there is something better for you. One option is Advantage Account, offered by Manulife Bank.

About Manulife Bank

manulife-bank-advantage-accountManulife Bank is a Schedule 1 bank owned by Manulife Financial. An online bank, it’s been in business for 20 years and is Canada’s eighth-largest domestic bank. Manulife Bank works closely with financial advisors, like our team here at Life Guard Insurance, to help Canadians integrate premium banking products into their financial portfolios.

About Advantage Account – 1.55%

Are you looking for a savings account with a proven history of strong rate performance? Look no further. You can count on Manulife Bank to provide you with market-leading rates on your personal savings.

Here’s how Advantage Account compares to some other online banks:

  • Manulife Bank Advantage Account 1.55%1
  • Ally High Interest Savings Account 1.20%2
  • ING Investment Savings Account 1.35%3

What about fees?

With Advantage Account, you can transfer your money online or over the phone and make deposits with no fees. Plus, a number of other transaction types are available for a small fee. Visit manulifebank.ca for a full fee schedule.

How do I make the switch?

Whether your have your savings with another bank or just want to start saving, I can help you get market-leading rates with an Advantage Account. Simply contact us and we can help you get started.…

December 13, 2014

Health Insurance to Protect Your Investments

Proper Health Insurance Plans Can Keep Your Investments on Track

Don’t risk your savings and assets for lack of proper health insurance plans

health-insurance-protect-your-assets-canadaHealth insurance in Canada is so much more than just a prescription drug and dental plan. Have you ever heard the saying, “Your health is your wealth.” Simpy put, we all need to remain healthy to be able to work and provide for our families. When your health goes, your retirement savings, equity in your house and emergency savings plan can quickly follow. With health risks being the #1 financial risk every Canadian faces (much higher risk than passing away prematurely) we need to make sure our investments are secure while we pay the high costs of recovering from an illness.

Critical Illness Insurance to Protect Your Assets

The first line of defence against health risks is to purchase acritical illness insurance policy. This type of insurance pays out a tax free, lump sum, living benefit to YOU, 30 days after diagnosis of a life altering illness or injury. The Big 4 critical illnesses (making up over 80% of all claims) are Cancer, Heart Attack, Stroke and Bypass Surgery. Most policies cover 24 major illnesses and injuries, including the Big 4, and have partial payouts for non-life threatening diagnoses too.

In the case of a critical illness, like cancer, you might have to take years off work to full recover. You might need expensive medications, assistance with daily living activities because you are too sick to cook, clean and take care of the kids. Your spouse might take a leave of absence from work to be at your side through the worst of times – meaning no income to the family and living off savings. This is where a critical illness insurance policy kicks in, providing you and your family with much need cash to take care of financial concerns while you are recovering and undergoing treatment.

Disability Insurance to Maintain Your Income

For those who do not have a group benefits plan because you are self-employed or working for a smaller company without benefits, you need to protect your cash flow. Almost 50% of Canadians will experience at least 1 period of long-term disability! You don’t want to become a statistic. It might not be cheap, but disability insurance is a must for all workers without coverage.

If you are disabled, and can’t go to work, your disability insurance policy will pay you a tax free,monthly income benefit. This will replace your lost income to pay the mortgage, utilities, put food on the table, etc. How long would you be able to keep up your lifestyle and provide for your family if income suddenly stopped? What if you were off work for 2 or 3 years in recovery from a major injury or illness? It happens everyday to Canadian workers, and unfortunately about half of the time they have no disability insurance.

Long Term Care Insurance to Secure Your Retirement

When going into your retirement years, you are probably planning on living on a fixed income. There is often only a certain amount of money available for monthly living expenses, and no more. What if you suddenly had to add an additional $3,000 to $5,000 per month on top of your monthly bills to provide long-term care as you become elderly and frail? This can mean your retirement nest egg might suddenly disappear in a few years, leaving you reliant on adult children to care for you.

What if you had an insurance policy that paid out a weekly or month benefit, tax free, to help with the high cost of long-term care? This is what Long Term Care Insurance does. When you really need help with things like feeding yourself, dressing, bathing, or you are suffering from dementia and can no longer be left alone, your Long Term Care Insurance policy start paying out tax free benefits to help pay the costs of this care. This protects your retirement nest-egg from being quickly depleted and gives you the financial resources to age with dignity.

If you’ve never looked into health insurance plans like these before, we can help. At Life Guard Insurance we are experts in providing individuals, families and small business owners with the health insurance plans they need in Canada. Contact us today for a free, no obligation quote and a complimentary needs analysis.…

December 10, 2014

About Life Guard Insurance

A Team of Life Insurance Brokers You Can Depend On

About

Professional, Knowledgeable and Customer Service Focused Life Insurance Brokers

The mission of Life Guard Insurance has always been to provide our online guests with Canada’s best internet resource for life and health insurance information. We believe that educating and empowering our clients helps them make better financial decisions and fosters team work with their personal life insurance broker.

Our goal is to provide you with the best information, articles and online tools to help you understand how life and health insurance will fit into your financial plans. Access our online tools, like the instant life insurance quote, life, critical illness and disability needs analysis tools and our library of video content to educate yourself about personal insurance planning. When you are ready, you can contact us to request personalized service for the life and health insurance policies you are interested in.

We Respect Your Privacy!

At Life Guard Insurance we never ask you for your name, phone number or email address to access any of our online content or tools. They are there to help you learn about personal and business insurance planning and feel comfortable about the financial planning decisions you will make. If you would like to connect with our Canada wide network of life and health insurance brokers you can contact us directly, only when you are ready to proceed. We will never make unwanted contact with our online visitors.

PPI Solutions and Life Guard Insurance are partnered to serve clients across Canada

PPI Solutions is Canada’s Number 1 MGA (Managing General Agency) providing administrative, technical and educational support to life insurance brokers across Canada. Life Guard Insurance has partnered with PPI Solutions to bring our online visitors the very best advice and customer service when contacting a local life insurance broker.

PPI Solutions has offices across Canada, supporting the sales activities of thousands of brokers. They are by far Canada’s largest national MGA, and offer their advisors the best in back-office support, underwriting expertise, client data management, and on-going education and training. The life insurance brokers you will be put in contact with, contracted with PPI Solutions, are the very best in Canada.

Finding the best life insurance brokers in your local area

The local office managers of PPI Solutions’ regional and city offices have excellent relationships with their life insurance brokers. Only the best local life and health insurance brokers are handpicked by their PPI Solutions management team to be a part of the Life Guard Insurance advisory network. You can rest assured that by contacting Life Guard Insurance for your life and health insurance needs, you will be connected to a professional and experienced life insurance broker near you. Your life insurance broker will have an excellent track record in maintaining strong client relationships and serving the needs of their clients over their lifetime.…