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FAQ Page

Frequently Asked Questions

If you do not find an answer to your question here, please contact me and I will be happy to help you.

  • Why should I purchase my life insurance from AndrewWBradley.ca?

    AndrewWBradley.ca provides you with all the tools you need to make a sound life insurance purchasing decision. I offer you access to over 25 life insurance companies. (one of the largest databases available) Fast online term life insurance quotes, easy to follow instructions, and I pride myself in providing you with the highest level of service in the life insurance industry. Never has purchasing life insurance been more convenient and economical. Our large carrier database means No One offers you lower premiums.
  • How do I determine my life insurance coverage amount?

    Each family's situation is unique from every other. Because of this, there are no absolute rules for determining how much life insurance you should purchase. Buying the right amount of life insurance involves answering an uncomfortable question: How much money would your dependents need if you were to die prematurely? The answer will likely be more than you think. Major personal finance magazines recommend a life insurance coverage amount from 5 to 10 times your annual earnings. Use our life insurance needs calculator to help you estimate how much life insurance you need.
  • I don't need Life Insurance because I have Mortgage Insurance.

    Banks and Brokers selling mortgage insurance are unlicenced and are not trained to explain the details and legalities of insurance products. The result is people who pay premiums and think they are covered, only to realize later that their claims denied when they became sick or died.
  • How long does it take to get insured?

    Underwriting begins when we receive your signed application in our office. Typically, underwriting is a 4 to 6 week process, but there may be slightly longer periods in certain cases.
  • Are all RRSP's and RESP's the same?

    Mutual Funds have different managment styles, performance and costs (MER), we can compare your funds with the others in the industry and get your money working harder for you.
  • I'm unhappy with my current advisor but its a big hassle to transfer to a new one.

    It's no trouble at all, you can change your servicing advisor if you need to. It is just some simple paperwork and we can take care of it, you shouldn't put up with poor service.
  • What are segregated funds?

    Segregated Funds are similar to Mutual Funds but are offered through Insurance Companies.The Benefits of investing with Segregated funds: • Principal guarantees at maturity and at death • Market gains can be locked in and guaranteed • Possible creditor protection • Avoids probate with proceeds going directly to beneficiaries • By Passes the will – great for succession planning • Fees • Investment Options are similar to Mutual Funds. • The risk/return is similar to Mutual Funds • Managing Risk – wraps and “fund of funds” portfolios • Taxation • Leveraged Investments with Seg Funds
  • Can you help me while going through a separation or divorce?

    Aside from planning his client’s finances for post-divorce life, another part of service is to examine the financial disclosure statements of the other party in the divorce to determine if the offer his client receives is reasonable. It's important to have somebody on your side, who understands it, gives you fair and reasonable advice so you can make the best informed decision that you can for yourself.
  • What is that you do?

    I am a financial services broker. I am able to shop the industry and put together a financial plan using the best financial products available that make sense for your situation.
  • When are you available and how long does it take?

    I am available evenings and weekends. I will meet with you at your home and the initial appointment usually takes about 30 minutes.
  • Financial advisors only work with clients with a lot of money.

    I work with families and individuals at all stages of their financial planning. There are no assets or investment minimums to become a client.
  • My funds are under performing and I want a second opinion but its a big hassle to transfer my RRSP/TFSA/Mutual funds.

    It's no trouble at all, we can do a free financial analysis for you and to transfer your funds or change advisors it is just some simple paperwork and we take care of the rest.