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Below is a list of our financial life. The purpose of this list is in case I (we) end up in an emergency situation and cannot communicate for myself (ourselves). Store this somewhere safe. A high-quality fire safe or a Safety Deposit Box. Some Lawyers will also store your will for you. That may

It’s tempting to think the lowest premium today means the best value tomorrow.  With group benefits, constantly shopping for a new insurer often costs more than simply partnering with a fair-priced insurer and staying put. Here’s a why. (This example is from averages I have seen over 20+ years): Using an 8 year frame

Once again, we were contacted by Benefit & Pensions Monitor to let us know we were selected as a Top 20 Brokerage in Canada for a second time. This is an amazing honour. In Canada there are about 100,000 licensed people who can sell group benefit programs. We are top 20! Further, Benefit &

A condition of employment We have seen it all. Businesses try to manage their benefit plan how they want. Unfortunately there are rules. If businesses don’t follow the rules, they add liability. At Naviguide, we only work with clients who will make their benefit plan 100% mandatory enrolment for eligible employees. Employees (EEs) who

What you need to know At least once a week we get the following questions: My employee is claiming disability / or I have laid off an employee, can I remove benefits? First off, always ask us in those situations. Communication is key and the answer may change depending on the situation, the contract