Plan Smart with Maria

Good news 📰❤️

Sunny days are here, and we’re giving you one more reason to dream of your next adventure! ✈️

Enter for a chance to win a $200 Air Canada gift card.

To enter:
– Like this post.
– Tell us in the comments who you’d take on your next getaway!🏝️

The draw will take place on May 25. Good luck to all!

iA Financial Group will never ask you to provide personal information via an internet link to enter this contest.

Be careful who you listen to‼️

Not all insurance advice is created equal.

Imagine having a Whole Life policy with Critical Illness coverage for 15 years—a plan designed to provide lifelong protection, living benefits, and long-term security…

Then at age 50, being advised to replace it with a Term policy renewable till age 85 or 95?

That decision should raise important questions:

• What happens to the permanent protection already in place?
• What happens to the critical illness coverage?
• Are you giving up valuable long-term benefits?
• Does starting over at 50 truly serve the client’s best interest?

Replacing an established policy—especially one with both lifelong coverage and critical illness protection—without fully understanding the trade-offs can mean losing years of built value and important financial safeguards.

Insurance is not just about lower premiums today. It’s about protecting your future, preserving what you’ve built, and making informed decisions.

Before making changes, ask:
✔️ What am I losing?
✔️ What am I gaining?
✔️ Does this strategy truly protect me long term?

Because real financial planning should focus on your protection—not just policy replacement.

Educate. Review. Protect.

Friendly Reminder: Tomorrow, April 30th, is the final day for submitting individual tax returns.

Whole Life vs Universal Life—Which one is better?

The truth is… it depends on YOU.

Some people want guarantees and stability.
Others want flexibility and control.

The key is not choosing what’s “popular”…
It’s choosing what actually fits your life and goals.

If you’re unsure which one is right for you, I’m here to help 💗

Comment “PLAN” or send me a message anytime.

When the unexpected happens, the last thing your loved ones need is confusion.

This guide breaks down the life insurance settlement process—so your beneficiary knows exactly what to expect, from filing a claim to receiving the payout.

💡 Many claims can be processed within 30–60 days, but timelines vary depending on the completeness of documents, policy details, and insurer requirements.

Help your family be prepared, informed, and protected during life’s most difficult moments.

The Settlement Process – What Your Beneficiary Can Expect Discover what your beneficiary can expect during the life insurance settlement process and learn how to ensure a smooth transition - read the full article to get informed and prepared.

Universal Life Insurance gives you flexibility and growth potential—but it’s important to understand how it works. Here’s a simple breakdown to help you decide if it aligns with your financial goals.

Disclaimer:

This content is for educational purposes only and does not constitute financial, legal, or insurance advice. Policy features, fees, and investment returns vary and are not guaranteed. Please consult a licensed insurance advisor for personalized recommendations.