Whether you're a new client considering working with us, or a long-time policyholder who's overdue for a check-in, an annual insurance review isn’t just a nice-to-have. It’s a critical part of ensuring your coverage still aligns with your needs, goals, and life circumstances.

Here’s why sitting down with us once a year can make all the difference—for your peace of mind, your financial future, and your family.

For many Canadians in their 70s, life insurance might feel like something that belongs to a different chapter of life — the one filled with young children, mortgages, and career-building. But what many people don’t realize is that the right kind of insurance in your 70s can be one of the most effective tools to protect your estate, support your loved ones, and create a lasting legacy.

Many Canadians in their 70s and 80s find themselves in a strong financial position — with their debts paid off, retirement income steady, and a desire to start passing on some of what they’ve built.Rather than waiting to give through their estate, many are now asking: Can I help my family today?

The answer is yes — and there are some smart, tax-efficient ways to do it. At Quantum Planning Group, we believe that "giving while living" isn't just financially strategic — it's personally rewarding.

Life insurance is a crucial part of a comprehensive financial plan, but it can feel confusing and overwhelming for many individuals and families. At Quantum Planning Group, we regularly receive questions from clients who want to understand how life insurance works, why it’s necessary, and how to choose the right type and amount of coverage. Below, we’ve compiled some of the most frequently asked life insurance questions—with clear, honest answers to help guide you in your decision-making.

A key advantage of participating whole life insurance — especially when started early for children — is the steady accumulation of cash value. But how exactly can this cash value be used later in life? Let’s explore.

You insure your car, your home, and your life. But for many families, your ability to earn an income is your greatest asset—and it deserves the same protection.

Disability insurance isn’t just a financial tool; it’s a form of self-care and a safeguard for your family’s lifestyle, dreams, and future. Whether you're the primary earner or contribute in other ways, this type of coverage ensures you’re not caught off guard when life throws the unexpected your way.

As a parent, you want to give your child the best start possible — including financial security. When planning for big future costs like post-secondary education, many families turn to Registered Education Savings Plans (RESPs). But there’s another valuable tool to consider: participating whole life insurance for children. Which option is right for you?

Naming your child or loved one as your executor is a meaningful sign of trust. But it’s also a serious responsibility — one that can quickly become overwhelming without clear guidance and preparation.

At Quantum Planning Group, we work closely with multigenerational families to make sure that when the time comes, everything is in order.