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Insurance That Fits

April 22, 2016 By Lena

I remember it like it was yesterday, even though it happened eight long years ago. Having just celebrated my baby shower – and my 30th birthday – I sprawled out in the family room, staring up at the ceiling.

“We’ll need a will,” I called out to my husband, “and an RESP…. and life insurance,” I finished, mentally listing all the things I knew I had to figure out in anticipation of our first child.

“And we’ll get to it,” he assured me, one eye on the baseball game.

That night, I lay awake in bed thinking about worst case scenarios. I chastised myself for worrying about things that were unlikely to happen, but nevertheless, my feeling of unease grew throughout the night as I tossed and turned in bed. The next morning, unwilling to put it off a moment longer, I made several appointments to get my affairs in order before our baby arrived. A will was drafted; an RESP was created; life insurance was purchased. I felt ready for the birth of our child.

(But, ready for motherhood? Never. That’s a whole other story!)
289054_10150756961090182_4711909_oSignificant milestones, like the birth of a baby, are the perfect time to re-evaluate your financial and insurance options. When one is anticipating life, I know it can be difficult to think about anything else. However, in the past few years alone, the passing of a few friends has been a grim reminder of how precious life is… and how life goes on, for children, spouses and even parents.

Here’s what to look for when considering life insurance:

– Seek advice you can trust from non-commissioned advisors. They’re most likely to have your best interests at heart if they’re not looking to take a piece of the pie themselves.

– Opt for straightforward coverage that fits your needs and budget. Select an affordable plan that provides adequate coverage for your debts, lifestyle and future expenses.

– Ask whether you can qualify for a lower rate. Some companies offer a discount if you have both life and auto or home insurance with them.

– Often, we have second thoughts about the plan we’ve chosen or level of coverage available. Select a plan that offers a 30 day review period to ensure you’re satisfied. That way you won’t have to worry about making a rush decision.

– Choose a reputable insurance company. Today, more than 4 million Canadians trust TD Insurance products for their insurance needs.

Is it time to consider insurance that fits? Click here for a quick and easy quote.

If you’re in the Greater Toronto Area, TD Insurance will be at the BabyTime Show at the International Centre in Mississauga this weekend (April 22-24, 2016). Stop by the booth to chat with TD Insurance representatives and have a chance to win a $5,000 cash prize, plus numerous instant win prizes!

This post was sponsored by TD Life Insurance Company, as part of their spring #InsuranceThatFits campaign. The opinions on the blog, as always, are my own.

Filed Under: Family Tagged With: #InsuranceThatFits, babytime shows, TD Insurance

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Reader Interactions

Comments

  1. kathy downey

    April 22, 2016 at 10:51 am

    Thanks for sharing your thoughts on the subject,there really is a lot to think about starting a family.Love the photo of the boys.

  2. Judy Cowan

    April 22, 2016 at 4:12 pm

    Some great tips on insurance. Life insurance is one thing we have always made sure we have had. Piece of mind.

  3. kristen visser

    April 22, 2016 at 4:36 pm

    thanks for sharing!! excellent tips that my husband and I will keep in mind when we go to pursue this for our daughters!

  4. Chandra O'Connor

    April 22, 2016 at 9:08 pm

    I have to do a will and life insurance soon.

  5. Marissa

    April 23, 2016 at 5:50 pm

    Great post and thanks for sharing the excellent tips.

  6. Debbie Bashford

    April 24, 2016 at 6:52 am

    I have had life insurance since I was 20, I am now 60 but I do have to update my will, I last did it about 25 years ago

  7. loucheryl

    April 24, 2016 at 9:21 pm

    Life insurance is so important. When my died at 50 years old, if he hadn’t taken out life insurance, my mom, sister and I would have been in trouble.

  8. Neal

    April 25, 2016 at 12:39 pm

    Great tips and info. It’s important to review your insurance needs whenever you have changes in your life!

  9. Lynda Cook

    April 25, 2016 at 6:03 pm

    Great info!! I love that picture of your boys,they are so darn cute!!

  10. La Cuisine d'Helene

    April 29, 2016 at 5:13 pm

    I can’t get over the fact that you have two cuties. Great info!

  11. Melinda Jana

    June 3, 2016 at 11:21 am

    all of this is so important. you never know what will happen, helps to be prepared

  12. Debbie White Beattie

    July 30, 2017 at 6:06 pm

    It’s amazing how many things you need to think about and then those things all need to get done. But it’s exhausting just thinking up everything because you know what a pain it’s going to be to get it all done.

  13. Calvin

    August 1, 2018 at 9:03 pm

    Everyone needs insurance. I think it’s good to know all options

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Lena Almeida

Toronto Blogger, Social Media Strategist for Listen to Lena Inc. Television & Radio Personality, Columnist and Speaker. Family Travel Expert. Star Wars Fanatic. Perfecting the Art of Conversuasion. Read More…

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