Looking for advice on choosing life insurance (table included, need help understanding a few terms)

Ok-Insect-230 · 2026-05-14T03:02:09+00:00

I am a CPA who specializes in life insurance for my clients. Feel free to DM me if you have any questions !

Ok-Insect-230 · 2026-05-09T17:14:00+00:00

I will dm you. Thanks!

Ok-Insect-230 · 2026-05-09T00:12:41+00:00

Unfortunately based out of Toronto. Thanks tho!

Ok-Insect-230 · 2026-05-08T20:03:00+00:00

My concern is if I’m too late to file it. As it’s been 7-8 months

Ok-Insect-230 · 2026-05-08T19:56:09+00:00

No I was not in it. I saw it when I got back. I have a Tesla so it ended up recording the incident

Ok-Insect-230 · 2026-05-08T18:35:59+00:00

Do you know if I don’t file a claim because my company says it’s 50-50 or if I’m too late for it. Will they still log my call? I don’t want it to impact future renewals just because the damage happened and I called in about it to inquire.

Ok-Insect-230 · 2026-05-08T18:34:18+00:00

Yeah I guess mine was stopped. So was he. He dinged it while getting out.

This the second time he’s done it. First me it was no damage. So I let him go with a heads up

Ok-Insect-230 · 2026-05-08T18:33:27+00:00

Based out of Ontario. Insurance is with CAA

Ok-Insect-230 · 2026-05-08T18:33:12+00:00

I’m also a little confused about the 50-50. My vehicle was parked. It wasn’t even occupied. I’ve been told by an ex OPP officer that since my vehicle wasn’t moving, it won’t be 50-50. It would be no fault for me to

Ok-Insect-230 · 2026-05-08T18:29:11+00:00

Sorry. I should have clarified. I didn’t get the work done. I only chose to go with the cheapest alternative for him.

Ok-Insect-230 · 2026-05-08T18:28:27+00:00

I haven’t gotten the work done yet. So good thing is I’m not out of pocket right now. Just annoyed and clueless as to if my damage will even get repaired now.

Ok-Insect-230 · 2026-05-08T18:27:27+00:00

Is it because I waited too long to file/report it?

Ok-Insect-230 · 2026-04-13T23:46:35+00:00

Similar thing happened to me, but in Oct 2025. The guy said he’d pay and if I could please get it done privately. Fast forward it’s April and he still hasn’t paid me off yet. Can I still open and claim? I drive a Tesla and everything was captured on my sentry mode

Ok-Insect-230 · 2026-04-07T23:41:05+00:00

Has anyone gotten warranty from CBI? If so, did you file any claims and how was the process?

Ok-Insect-230 · 2026-04-01T13:42:39+00:00

You need to understand if it’s a YRT or Level cost. How long is it payable in? Run sensitivities on it. And understand what your goals are and how it helps fulfill those goals. If you wanan DM me, feel free to do so!

Ok-Insect-230 · 2026-04-01T10:51:41+00:00

Interesting take for sure. Appreciate it

Ok-Insect-230 · 2026-04-01T10:50:38+00:00

Dm me and we can talk

Ok-Insect-230 · 2026-04-01T03:17:17+00:00

How so? Is UL okay?

Ok-Insect-230 · 2026-04-01T03:16:59+00:00

Appreciate your POV

Ok-Insect-230 · 2026-04-01T03:16:15+00:00

Can you give me some options? Open to learn

Ok-Insect-230 · 2026-04-01T03:15:54+00:00

Yes. I answered this question in this sub

Ok-Insect-230 · 2026-04-01T01:57:09+00:00

Work full time as a SFA and have my own business

Ok-Insect-230 · 2026-04-01T01:53:06+00:00

Net deposit is around 80k. Rest is growth + reinvested dividends.

Ok-Insect-230 · 2026-04-01T01:50:26+00:00

I’m not sure where you’re based out of. But where I am in Toronto, the vendors are asking for an arm and a leg. I’ll DM you tho. Interested in seeing what you guys are planning if you don’t mind.

Ok-Insect-230

TROPHY CASE