Joan McLaren Legacy Sharing

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Joan McLaren Legacy Sharing

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Helping Canadian and Immigrant families protect their income, health, and future through proper insurance planning.

10/27/2026

To everyone please have time to read

10/08/2026

Good morning.
Sharing is caring, may tumawag s akin 71 yrs old nagpahanap ng life insurance kahit maliit lng ang coverage. Dati may life insurance sila at ang akala nya insured na sya until she die pero hinde pla ganun kc tapos na dw ang term. Hinde pla na explain ng maayos s agent nya dati na term insurance pla yong binigay s kanila. Walang pangit na insurance ang importante active ito.
Lesson learned, to all policy holder dapat alam mo kung anong klase na insurance you have. Have a great day! God bless

09/23/2026

Alam mo ba na ang Universal Life Insurance can do more than just protect your family?

Sa Universal Life, aside from your life insurance coverage, part of your payment may go toward the policy’s cash value, depending on the policy design and investment option.

Over time, that value can potentially grow based on the selected investment option although returns are not always guaranteed and may fluctuate.

So habang may protection ka for your family, you may also be building value inside the policy for your long-term financial goals.

Protection today, potential cash-value growth for tomorrow.

09/20/2026

If your parents/grandparents umabot s edad na 70’s,80’s,90’s, 100 yrs old bka ikaw din. Pero ang tanong insured ka pa ba that time? Check your in-force life insurance policy.

09/19/2026

5 reasons why every parent should have a Last Will.

1: You decide who receives your assets your home, savings, and other properties.

2: You can clearly state your wishes for your children and family.

3: You can name the person you want to handle your estate.

4: It can help reduce confusion and potential family disputes.

5: Most importantly, it gives your family clear direction when you’re no longer there to make those decisions.

09/16/2026

Why Is Permanent Life Insurance Important?

Permanent life insurance is designed to provide life insurance coverage that can remain in force for your lifetime, as long as the policy requirements are met.

Here are some reasons people consider it:

1. Lifetime protection 🛡️
Unlike temporary insurance, permanent life insurance is designed to provide coverage for life, subject to the policy terms and premiums being maintained.

2. Helps protect your family ❤️
When someone passes away, the death benefit can help beneficiaries with expenses such as mortgage obligations, debts, final expenses, and ongoing family needs.

3. Can help with legacy planning 🌱
Permanent insurance can be used as part of an estate or legacy strategy, potentially providing funds for children, grandchildren, charitable giving, or other beneficiaries.

4. Can provide predictable long term coverage
Depending on the policy, premiums and coverage may be structured to remain level or follow a predetermined schedule.

5. Some policies can build cash value💰
Certain permanent life insurance policies accumulate cash value. Depending on the policy, this value may potentially be accessed during the policyholder's lifetime. This is different from the death benefit and should be explained based on the specific contract.

Simple way to explain it:

Term insurance: “Protection for a specific period.”
Permanent insurance: “Protection designed to last for life.”

09/16/2026

Simple explanation of their Benefits. They solve different financial risks. When you buy a house less than 20% ang down payment dapat meron ka nito.

🏠 CMHC Insurance vs. Life Insurance vs. Home Insurance

1. CMHC / Mortgage Default Insurance

CMHC insurance protects the lender, not the homeowner, when a mortgage has a smaller down payment, typically less than 20%. It helps protect the lender if the borrower defaults on the mortgage.
👉It does NOT pay off your mortgage if you die.

2. Life Insurance

Life insurance protects your family and loved ones. If the insured person passes away while the policy is in force, the death benefit can provide money that may be used for the mortgage, living expenses, debts, education, or other financial needs.
👉The purpose is protecting your family's financial future.

3. Home Insurance

Home insurance protects your property and belongings against covered risks such as certain fire, theft, or other insured damage. It can also include liability coverage.
👉It protects the home and your possessions not your life.

Easy way to remember:

CMHC = Protects the lender
Life Insurance = Protects your family
Home Insurance = Protects your home

09/15/2026

Are you self-employed / small business owner?

- Do you have health, dental, prescription benefits?

- If you get injured, do you have income replacement?

- If you get accident, do you coverage?

- If you get critical illness, do you have protection?

If you don’t have, don’t wait! Message me. Thank you

09/15/2026

Just share the information.

09/15/2026

Attending training Edge Benefits (Greenshield Insurance) which are specialize in Small Business Benefits and also individuals health benefits. Thank you for the opportunity, blessings and connecting people. God bless

Address

541 St George Boulevard
Moncton, NB
E1E2B6

Telephone

+15064366797

Website

http://joanmclaren.ca/

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