Article Topic: Insurance

Financial thoughts, tips and tricks for you to consider.

Is your term insurance Bad?

Is your term insurance bad? As an advocate of wealth insurance and infinite banking policies, I am often asked, “Is term insurance bad?”. There is nothing inherently wrong with term insurance.   Its a cost-effective way to get people coverage and peace of mind.     ...

Own, Don’t Rent Your Insurance

If what you KNEW to be true about insurance was not true, when would you want to know? Most consumers are under the impression that term insurance, like Term 10 or Term 20, costs significantly less than permanent insurance. But that is like saying renting a house...
Now is always better than later.

Now is always better than later.

When it comes to life insurance, now is always better than later. You can’t purchase home insurance when your house is on fire.  And you can’t purchase life insurance if your health has declined significantly. I have personally seen how waiting to purchase insurance...

read more
You Don’t Know Jack

You Don’t Know Jack

Jack is 45 and he just purchased $1,000,000 of Term 20 insurance. He pays $1,930 to the insurance company every year. The plan is to drop the insurance after 20 years. His family won't need it. Mortgage will be paid off. Wealth will be amassed. Children are through...

read more
Financial Priorities

Financial Priorities

As a wealth strategist, when I speak with most of my clients their financial focus is usually on paying down debt, investing in stock markets or real estate, and saving for retirement. They overlook one of the most important pillars of financial success … life...

read more
This is not a safe bet

This is not a safe bet

In Las Vegas the house is designed to win. Imagine that you're in Vegas, and there is a roulette table, where all the slots but one are black.  The caveat is that you are only allowed to bet on red.   And the chances of it landing on red are less than 5%. This is not...

read more
Don’t Wait

Don’t Wait

If you require permanent life insurance coverage for family, estate planning, business, or tax planning purposes or you just wish to accumulate money in your life insurance program it may be time to look at a permanent, level cost solution. Many of us purchase large...

read more
Put A Ring On It

Put A Ring On It

I was recently at a networking event when I was introduced to an established and experienced real estate agent. In conversation I learned that she had just recently closed a big sale and as a reward she gave herself a brand new diamond ring worth over 15K. Nervously...

read more
The Goose Or The Egg

The Goose Or The Egg

If you owned the goose that laid the golden egg … which would you insure first? As long as you have the goose you can always get more eggs.  So, if you’re smart you’d insured the goose before you insure the egg. Sadly, most of us insure the egg, and omit insuring the...

read more

905-425-5327 • vws@live.ca

Kathleen van den Berg, MBA, CFP

4 Branthaven Court
Brooklin, Ontario  L1M 0B2
Canada