{"id":23967,"date":"2020-05-26T20:31:15","date_gmt":"2020-05-27T03:31:15","guid":{"rendered":"https:\/\/hfin.ca\/?page_id=23967"},"modified":"2020-05-26T20:34:02","modified_gmt":"2020-05-27T03:34:02","slug":"insurance-planning-for-young-families","status":"publish","type":"page","link":"https:\/\/hfin.ca\/insurance-planning-for-young-families\/","title":{"rendered":"Insurance Planning for Young Families"},"content":{"rendered":"<div>\n<style type=\"text\/css\">\n@-webkit-keyframes oryCellResizeableAnimate {<br \/>  0% {<br \/>    background-color: hsla(0,0%,100%,.26);<br \/>    top: 45%;<br \/>    bottom: 45%;<br \/>  }<\/p>\n<p>  50% {<br \/>    background-color: hsla(0,0%,100%,.12);<br \/>    top: 0;<br \/>    bottom: 0;<br \/>  }<\/p>\n<p>  to {<br \/>    background-color: hsla(0,0%,100%,.87);<br \/>    top: 45%;<br \/>    bottom: 45%;<br \/>  }<br \/>}<br \/>@keyframes oryCellResizeableAnimate {<br \/>  0% {<br \/>    background-color: hsla(0,0%,100%,.26);<br \/>    top: 45%;<br \/>    bottom: 45%;<br \/>  }<\/p>\n<p>  50% {<br \/>    background-color: hsla(0,0%,100%,.12);<br \/>    top: 0;<br \/>    bottom: 0;<br \/>  }<\/p>\n<p>  to {<br \/>    background-color: hsla(0,0%,100%,.87);<br \/>    top: 45%;<br \/>    bottom: 45%;<br \/>  }<br \/>}<br \/><\/style>\n<style type=\"text\/css\"><\/style>\n<div class=\"juiced\">\n<div id=\"postToSend-3\">\n<div class=\"ory-row\" style=\"box-sizing: border-box; display: flex; -webkit-box-flex: 0; -ms-flex: 0 1 auto; flex: 0 1 auto; -webkit-box-orient: horizontal; -webkit-box-direction: normal; -ms-flex-direction: row; flex-direction: row; -ms-flex-wrap: wrap; flex-wrap: wrap; margin-right: 0; margin-left: 0; position: relative;\">\n<div class=\"ory-cell ory-cell-sm-12\" style=\"position: relative; box-sizing: border-box; -webkit-box-flex: 0; -ms-flex: 0 0 auto; flex: 0 0 auto; padding-right: .5rem; padding-left: .5rem; -ms-flex-preferred-size: 100%; flex-basis: 100%; width: 100%; min-width: 100%;\">\n<div class=\"ory-row ory-cell-inner\" style=\"box-sizing: border-box; display: flex; -webkit-box-flex: 0; -ms-flex: 0 1 auto; flex: 0 1 auto; -webkit-box-orient: horizontal; -webkit-box-direction: normal; -ms-flex-direction: row; flex-direction: row; -ms-flex-wrap: wrap; flex-wrap: wrap; margin-right: 0; margin-left: 0; position: relative;\">\n<div class=\"ory-cell ory-cell-sm-12\" style=\"position: relative; box-sizing: border-box; -webkit-box-flex: 0; -ms-flex: 0 0 auto; flex: 0 0 auto; padding-right: .5rem; padding-left: .5rem; -ms-flex-preferred-size: 100%; flex-basis: 100%; width: 100%; min-width: 100%;\">\n<div class=\"ory-cell-inner ory-cell-leaf\">\n<div class=\"ory-plugins-content-spacer ory-plugins-content-spacer-read-only\" style=\"border-bottom: none; position: relative; border: 1px solid rgba(0, 0, 0, 0.12); border-color: transparent;\">\n<div style=\"height: 20px;\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ory-row ory-cell-inner\" style=\"box-sizing: border-box; display: flex; -webkit-box-flex: 0; -ms-flex: 0 1 auto; flex: 0 1 auto; -webkit-box-orient: horizontal; -webkit-box-direction: normal; -ms-flex-direction: row; flex-direction: row; -ms-flex-wrap: wrap; flex-wrap: wrap; margin-right: 0; margin-left: 0; position: relative;\">\n<div class=\"ory-cell ory-cell-sm-12\" style=\"position: relative; box-sizing: border-box; -webkit-box-flex: 0; -ms-flex: 0 0 auto; flex: 0 0 auto; padding-right: .5rem; padding-left: .5rem; -ms-flex-preferred-size: 100%; flex-basis: 100%; width: 100%; min-width: 100%;\">\n<div class=\"ory-cell-inner ory-cell-leaf\">\n<div><img decoding=\"async\" class=\"ory-plugins-content-image\" style=\"width: 100%;\" src=\"https:\/\/www.appsforadvisors.com\/ufs\/mediaLibrary\/mc5wcjrQpfZkXH37n\/insurancePlanningYoungFamilies.jpeg\" \/><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ory-row ory-cell-inner\" style=\"box-sizing: border-box; display: flex; -webkit-box-flex: 0; -ms-flex: 0 1 auto; flex: 0 1 auto; -webkit-box-orient: horizontal; -webkit-box-direction: normal; -ms-flex-direction: row; flex-direction: row; -ms-flex-wrap: wrap; flex-wrap: wrap; margin-right: 0; margin-left: 0; position: relative;\">\n<div class=\"ory-cell ory-cell-sm-12\" style=\"position: relative; box-sizing: border-box; -webkit-box-flex: 0; -ms-flex: 0 0 auto; flex: 0 0 auto; padding-right: .5rem; padding-left: .5rem; -ms-flex-preferred-size: 100%; flex-basis: 100%; width: 100%; min-width: 100%;\">\n<div class=\"ory-cell-inner ory-cell-leaf\">\n<div>\n<p>For young families, making sure your family is financially protected can be overwhelming, especially since there\u2019s so much information floating online. This infographic addresses the importance of insurance- personal insurance.<\/p>\n<p>The 4 areas of personal insurance a young family should take care of are:<\/p>\n<ul style=\"margin: auto 2em 1.5em; list-style-type: disc;\">\n<li style=\"list-style-type: inherit; display: list-item; margin: .2em 0 0 .2em;\">\n<p style=\"margin: 0;\">Health<\/p>\n<\/li>\n<li style=\"list-style-type: inherit; display: list-item; margin: .2em 0 0 .2em;\">\n<p style=\"margin: 0;\">Disability<\/p>\n<\/li>\n<li style=\"list-style-type: inherit; display: list-item; margin: .2em 0 0 .2em;\">\n<p style=\"margin: 0;\">Critical Illness<\/p>\n<\/li>\n<li style=\"list-style-type: inherit; display: list-item; margin: .2em 0 0 .2em;\">\n<p style=\"margin: 0;\">Life<\/p>\n<\/li>\n<\/ul>\n<p><strong>Health:\u00a0<\/strong>We are so fortunate to live in Canada, where the healthcare system pays for basic healthcare services for Canadian citizens and permanent residents. However, not everything healthcare related is covered, in reality,\u00a0<a href=\"https:\/\/financialtechtools.ca\/wp-content\/uploads\/2020\/02\/nhex2017-trends-report-en.pdf\">30% of our health costs<\/a>* are paid for out of pocket or through private insurance such as prescription medication, dental, prescription glasses, physiotherapy, etc.. Moreover, if you travel outside of Canada, medical emergencies can be extremely expensive.<\/p>\n<p><strong>Disability:\u00a0<\/strong>Most people spend money on protecting their home and car, but many overlook protecting their greatest asset: their ability to earn income. Unfortunately\u00a0<a href=\"http:\/\/clhia.uberflip.com\/i\/199350-a-guide-to-disability-insurance\/3?\">one in three people on average will be disabled for 90 days or more at least once before age 65<\/a>. Disability insurance can provide you with a portion of your income if you were to become disabled and unable to earn an income.<\/p>\n<p><strong>Critical Illness:\u00a0<\/strong>For a lot of us, the idea of experiencing a critical illness such as a heart attack, stroke or cancer can seem unlikely, but\u00a0<a href=\"https:\/\/financialtechtools.ca\/wp-content\/uploads\/2020\/02\/critical-illness-thought-leadership-research-head-research.pdf\">almost 3 in 4 (73%) working Canadians know someone who experience a serious illness<\/a>. Sadly, this can have serious consequences on you and your family, with Critical Illness insurance, it provides a lump sum payment so you can focus on your recovery.<\/p>\n<p><strong>Life:\u00a0<\/strong>For young families, if your loved ones depend on you for financial support, then life insurance is absolutely necessary, because it replaces your income, pay off your debts and provides peace of mind.<\/p>\n<p><a href=\"https:\/\/www.appsforadvisors.com\/contact\">Talk to us<\/a>\u00a0about helping making sure you and your family are protected.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ory-row ory-cell-inner\" style=\"box-sizing: border-box; display: flex; -webkit-box-flex: 0; -ms-flex: 0 1 auto; flex: 0 1 auto; -webkit-box-orient: horizontal; -webkit-box-direction: normal; -ms-flex-direction: row; flex-direction: row; -ms-flex-wrap: wrap; flex-wrap: wrap; margin-right: 0; margin-left: 0; position: relative;\">\n<div class=\"ory-cell ory-cell-sm-12\" style=\"position: relative; box-sizing: border-box; -webkit-box-flex: 0; -ms-flex: 0 0 auto; flex: 0 0 auto; padding-right: .5rem; padding-left: .5rem; -ms-flex-preferred-size: 100%; flex-basis: 100%; width: 100%; min-width: 100%;\">\n<div class=\"ory-cell-inner ory-cell-leaf\">\n<div class=\"ory-plugins-content-spacer ory-plugins-content-spacer-read-only\" style=\"border-bottom: none; position: relative; border: 1px solid rgba(0, 0, 0, 0.12); border-color: transparent;\">\n<div style=\"height: 20px;\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"ory-row ory-cell-inner\" style=\"box-sizing: border-box; display: flex; -webkit-box-flex: 0; -ms-flex: 0 1 auto; flex: 0 1 auto; -webkit-box-orient: horizontal; -webkit-box-direction: normal; -ms-flex-direction: row; flex-direction: row; -ms-flex-wrap: wrap; flex-wrap: wrap; margin-right: 0; margin-left: 0; position: relative;\">\n<div class=\"ory-cell ory-cell-sm-12\" style=\"position: relative; box-sizing: border-box; -webkit-box-flex: 0; -ms-flex: 0 0 auto; flex: 0 0 auto; padding-right: .5rem; padding-left: .5rem; -ms-flex-preferred-size: 100%; flex-basis: 100%; width: 100%; min-width: 100%;\">\n<div class=\"ory-cell-inner ory-cell-leaf\"><a class=\"ory-button-for-pages-posts\" style=\"pointer-events: auto; color: #ffffff; border: none; border-radius: 2px; display: inline-block; height: 36px; line-height: 36px; padding: 0px 2rem; text-transform: uppercase; vertical-align: middle; text-align: center; letter-spacing: 0.5px; transition: all 0.2s ease-out 0s; cursor: pointer; text-decoration: none; background-color: #2baadf;\" href=\"\/contact\" target=\"_self\" rel=\"noopener noreferrer\">Contact Us<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>For young families, making sure your family is financially protected can be overwhelming, especially since there\u2019s so much information floating online. This infographic addresses the importance of insurance- personal insurance. The 4 areas of personal insurance a young family should take care of are: Health Disability Critical Illness Life Health:\u00a0We are so fortunate to live [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurance Planning for Young Families - Heuchert Financial Incorporated<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hfin.ca\/insurance-planning-for-young-families\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance Planning for Young Families - Heuchert Financial Incorporated\" \/>\n<meta property=\"og:description\" content=\"For young families, making sure your family is financially protected can be overwhelming, especially since there\u2019s so much information floating online. 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