McIver Insurance

03/30/2026

Cash value life insurance is one of the most misunderstood tools in personal finance — but when used properly, it can be a powerful part of a long‑term plan.

For many families and small business owners, it offers a blend of protection and stability:
• Guaranteed coverage that stays in place for life
• Tax‑advantaged growth inside the policy
• Flexible access to cash value for opportunities or emergencies
• A disciplined way to build long‑term assets while protecting the people who matter most

It’s not the right fit for everyone, but for the right situation, it can create options that term insurance alone can’t provide.

If you’re curious about how it works—or whether it fits your goals—start with a clear, unbiased conversation. The right structure makes all the difference

https://mciverinsurance.com/how-does-the-cash-value-component-of-a-permanent-policy-work/

11/13/2025

Have you ever wondered how life insurance works? Why do premiums and coverage vary, and how is this determined, or by whom? To get answers, you have come to the right place.

I have compiled a step-by-step guide to walk you through exactly how insurance underwriting works, the factors that are involved, and how modern technology is changing the industry.

The most important aspect of insurance is underwriting, as that determines the product you're eligible for.

Have you ever wondered how life insurance works? Why do premiums and coverage vary, and how is this determined, or by whom? To get answers, you have come to the right place.  We have compiled a step-by-step guide to walk you through exactly how insurance underwriting works, the factors that are inv...

10/03/2025

It’s taking time to build my practice to the point where I can offer an advertising service like this now I’m excited to pair the social media side with the Google website work I’ve developed over the years bringing everything together to better serve my clients.

Here’s a quick recap of the service I offer as an independent insurance broker.

Group Benefit and retirement plans for small and medium size businesses

Life Insurance for couples

Personal health insurance for individuals without coverage at work

09/22/2025

New Blog - one of the most common reports ordered by insurance companies during the underwriting process is the doctor's report.

https://mciverinsurance.com/attending-physician-statements-what-they-are-and-why-they-matter/

09/07/2022

This month's topic is group RRSP, i have been offering these to my benefit clients for the past few years to provide a well rounded offering of both group benefits and RRSP.

https://mciverinsurance.com/group-registered-retirement-savings-plan/

07/20/2022

Interested in learning more about how life insurance can be used as an investment for your children? A great addition alongside a RESP, have a read below.

interested in finding out more about whole life policies for your child? have a review of this blog post

07/11/2022

I recently completed my CEBS designation (Certified Employee Benefit Specialist) ending a 4 year journey. I am glad I started when I did because as I got older I found it increasingly difficult to focus and study. I am thrilled to have this done. Also, shoutout to the lady at Michael's who completed this frame & logo from a padded envelope.

09/01/2021

New Blogs are up this month, have a read if you are interested.

https://mciverinsurance.com/blog/

07/29/2021

Hey Everyone!

I just wanted to share my new Blog and updated website. Each month three new blogs will be uploaded with topics relating to Health, Life & Group Benefits. The website is fully updated with content that is great for people researching or looking into insurance and wanting to learn more. Feel free to pass it along to anyone inquiring or looking for more information.

https://mciverinsurance.com/blog/

07/06/2021

Luke bought Life and Critical illness insurance from me a few years back, little did we know that in a short period of time his health changed unexpectedly with stage 2 skin cancer. Thankfully, he is healthy and moving past this. He was able to partially claim his critical illness coverage up to 25% of the face value to help pay for any treatments or lost time at work and keep full coverage for the future. When things like this happen, it makes me realize even more the importance of insurance coverages and making people aware of them. Luke was happy with Manulife and I and it was a rewarding feeling for me doing my job correctly, but it was his decision to purchase that policy, I just present the information and make recommendations. Thankyou Luke for always being a great supporter of mine and sharing your story.