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Red Helm Canada, 116 Albert Street, Suite 300, Ottawa, ON (2026)

06/18/2026

Did you know the Canada Dental Benefit can give eligible families up to $650 per child each year for dental care? 🦷👨‍👩‍👧‍👦

If your family earns under $90,000, this temporary program (started Dec 2022) can help cover kids’ basic dental needs while a national plan is developed.

Pairing government help with private protection matters — critical illness insurance (e.g., products like EquiLiving) can provide lump-sum support if a serious health event hits your family, helping with bills, lost income, or extra care. 🛡️

Key takeaways:
- Check eligibility and claim the benefit annually if qualified.
- Consider critical illness coverage to protect family finances beyond dental care.
- Talk to a broker who can compare options across carriers at no extra cost.

Want help figuring out if you qualify or how to combine these supports for your family? Comment below or send us a DM — we’ll walk through your options. Read more: https://redhelm.ca/canada-dental-benefit-and-critical-illness-insurance-protecting-kids-smiles-and-family-health/

Canada Dental Benefit: Financial Support for Families & How Critical Illness Insurance Provides Additional Protection The Canadian government’s new Canada Dental Benefit provides eligible families earning under $90,000 with up to $650 per child annually for dental care, starting December 2022. Thi...

06/17/2026

Did you know eligible Canadian families earning under $90,000 can get up to $650 per child each year through the Canada Dental Benefit? 🦷✨

This temporary program (started Dec 2022) helps cover kids’ dental needs while a national plan is developed — a helpful bridge for routine care and checkups.

But dental support doesn’t replace broader financial protection. Critical illness insurance (e.g., Equitable Life’s EquiLiving) can provide a lump-sum payout — up to $2M — if a serious health event affects your family’s finances. 🛡️

Key takeaways:
- Check eligibility and apply for the Canada Dental Benefit to cover routine dental care for your kids. ✅
- Use government support for immediate needs and consider critical illness coverage to protect household income and savings. 💡
- Talk to a broker who compares plans across carriers at no extra cost to find the right mix for your family. 🔍

Want help checking eligibility or comparing options for your family? Comment below or message us — we’ll walk you through it. Read more: https://redhelm.ca/canada-dental-benefit-and-critical-illness-insurance-protecting-kids-smiles-and-family-health/

Canada Dental Benefit: Financial Support for Families & How Critical Illness Insurance Provides Additional Protection The Canadian government’s new Canada Dental Benefit provides eligible families earning under $90,000 with up to $650 per child annually for dental care, starting December 2022. Thi...

06/16/2026

Heading to Ukraine? Important travel update for Canadians ⚠️

Global Affairs Canada has a Level 4 travel advisory for Ukraine — the highest level — advising Canadians to avoid all travel to the country. That advisory can affect what your travel insurance will or won't cover.

Key takeaways:
- Many policies exclude coverage for trips taken to destinations under a government "avoid all travel" advisory — check exclusions for medical, evacuation and trip cancellation.
- If you’re already abroad, contact Global Affairs Canada and your insurer immediately to confirm what assistance and evacuation options are available.
- Before booking or travelling, speak with a broker who can compare options and explain any high-risk or specialty coverage (if available).

Not sure if your policy covers travel to Ukraine or need alternatives like postponing or getting evacuation-only protection? Our brokers do the market research for you at no extra cost — send us a message or comment below and we’ll review your options. ✈️📩

Are you affected by this advisory or have questions about your coverage? Tell us below.

Since 2014, Ukraine has been experiencing conflict. The ongoing tensions have significantly impacted the safety and security of the region, leading to severe disruptions and instability. As a result, the Government of Canada has issued a Level 4 travel advisory for Ukraine, warning citizens to avoid...

06/15/2026

Did you know travel insurance can cover pre-existing conditions — but only if they’re classified as “stable”? ✈️🔎

“Stable” usually means no new symptoms, medication changes, or treatments during a specific period before your trip. That time window and exact wording vary by insurer, so the details matter.

Key takeaways:
• Check your policy’s stability clause — find the look-back period and what counts as a change.
• Always disclose your medical history accurately — omissions can jeopardize a claim.
• Use a broker to compare carriers and wording so you get the best fit for your health needs.

Want help reviewing your policy or finding coverage that protects your pre-existing condition? Read more here: https://redhelm.ca/know-your-health-pre-existing-conditions-and-travel-insurance/

Have questions or a travel plan coming up? Comment below or DM us — our brokers review options at no extra cost. 🇨🇦

Travel insurance often covers pre-existing medical conditions, but only if they’re classified as “stable” according to your policy’s definition. For most insurers, “stable” means no new symptoms, medication changes, or treatments during a specified period before your trip. Understanding ...

06/14/2026

Think your travel insurance will cover any flight cancellation? Think again. ✈️

If an airline cancels and can’t rebook you within 48 hours, many travel plans will help — but if you cancel the trip yourself (or need to due to certain unexpected events), you’ll usually need specific trip cancellation/interruption coverage. 🛡️

Quick takeaways:
• Know the difference: airline cancellation protection ≠ trip cancellation coverage.
• Watch the fine print — timelines like the 48-hour rebooking rule matter.
• Ask a broker to tailor your plan so you’re covered for the reasons that matter to you (and potentially save money).

Planning a trip soon? Read our quick guide to make sure your wallet’s protected: https://redhelm.ca/protect-your-trip-and-wallet-with-trip-cancellation-coverage/

Have you ever had to cancel a trip — and wished you were covered? Tell us below or DM for a quick review of your options.

Flight Cancellation Protection: What Your Travel Insurance Actually Covers Travel insurance typically covers flight cancellations only when the airline cancels and can’t rebook you within 48 hours. For protection against cancellations you initiate, you need specific trip cancellation and interrupt...

06/13/2026

Can’t pass a medical exam but still want life insurance? You’re not alone. 🛡️

Guaranteed-issue life insurance offers coverage without medical exams or health questions — typically available for ages 18–80 — with death benefits commonly from $5,000 to $100,000. It’s designed to help cover funeral costs and outstanding debts when traditional policies aren’t an option.

Key takeaways:
- No health questions or exams = approval regardless of medical history.
- Benefit amounts usually range $5K–$100K — ideal for final expenses and small debts.
- Premiums can be higher than standard policies, so compare options before you decide.

Want peace of mind for yourself or a loved one? Our brokers at Red Helm will compare plans and help you find the best fit — at no extra cost. 👨‍👩‍👧

Have questions or want a quick review of your options? Comment below or send us a DM — we’re here to help.
Learn more: https://redhelm.ca/best-guaranteed-issue-life-insurance-in-canada/

Guaranteed Issue Life Insurance: Coverage Without Health Questions Guaranteed-issue life insurance provides coverage to virtually anyone within eligible age ranges (typically 18-80), regardless of health status. With no medical exams or health questions required, this coverage offers peace of mind w...

06/12/2026

Want to pay less tax on certain corporate payouts? The Capital Dividend Account (CDA) could be the quieter tax tool your private company needs. 💡🍁

The CDA lets a private corporation distribute specific tax-free amounts to shareholders — things like the non-taxable portion of capital gains or life insurance proceeds received by the company — without triggering personal tax on that money.

Key takeaways:
- Track your CDA carefully and file the required capital dividend election — mistakes can be costly. ✅
- Corporate-owned life insurance can help build CDA balance when structured properly. 🛡️
- Always coordinate CDA moves with your tax advisor to avoid unintended tax consequences.

Curious whether a CDA strategy fits your business or how life insurance can help build tax-free corporate value? Comment below or send us a DM — we’ll connect you with the right experts and review options that may apply. 💬

Read more: https://redhelm.ca/capital-dividend-account/

Pay Less Tax Using the CDA The only sure way to gain in investing is through tax planning. Markets are uncertain and provided that tax policies remain unchanged, planning when you pay taxes will reduce how much tax you pay, over time. The key to tax planning is knowing the tools. Owning a Canadian-c...

06/11/2026

Nine million uninsured Canadians could get help with dental care starting in 2024 — here's what families need to know. 🇨🇦🦷

Who’s eligible: families earning under $90,000 with no private dental coverage.
2024 benefit: up to $650 per child under 12.
Apply via the CRA with your SIN, last year’s tax info and a dentist treatment plan. Expect direct deposit within ~5 business days, but you’ll pay the dentist at the time of service. ✅

Key takeaways:
- Gather SIN, tax return & dentist treatment plan before applying.
- Funds arrive fast, but plan to pay upfront and get reimbursed.
- Programme expands in 2025 to include teens, seniors and people with disabilities.

Have questions about eligibility or want help applying? Comment below or DM us — our brokers can guide you at no extra cost. 💬

Definition The new federal dental care program is a government initiative starting in 2024 designed to make dental services more affordable for millions of uninsured Canadians earning less than $90,000 a year. This programme helps eligible families receive money directly to cover essential dental ca...

06/10/2026

Feeling stuck on whether you qualify for CPP Disability? You're not alone — the system is confusing, but eligibility boils down to a few clear points. 🔎

Quick checklist:
- Your condition must be “severe and prolonged” and prevent regular work — medical evidence is key. 🩺
- You generally need a history of CPP contributions; rules vary, so check your situation.
- Gather medical records early and be prepared for a long review — appeals are possible.

3 takeaways: start collecting documentation now, confirm your contribution history, and consider expert help to avoid delays.

Read our simple guide for more details: https://redhelm.ca/do-you-qualify-for-cpp-disability-a-simple-guide-to-a-complicated-system/

Have questions about CPP or how private disability coverage fits in? Comment below or send us a DM — our brokers help Canadians navigate this at no extra cost. 🤝

Let’s cut through the confusion and help you figure out if you’re eligible for Canada Pension Plan (CPP) disability benefits. Here’s what you need to know, broken down into simple terms. The Three Basic Requirements You qualify if you meet ALL of these: You’re under 65 You’ve contributed e...

06/09/2026

Travelling with an ICD? You can still get travel insurance — but there are rules to know. ✈️❤️

Many insurers require 90–365 days of medical stability before covering ICDs, and some exclude ICDs altogether. That’s why declaring pre-existing conditions and choosing the right policy matters.

Key takeaways:
• Confirm the insurer’s stability period (90–365 days) before you book.
• Always declare your ICD — non-disclosure can void a claim.
• Work with a broker who specializes in complex medical cases to compare carriers and find coverage options.

Want help navigating your options? Our brokers research the market and can find policies that fit your needs — at no extra cost. Message us or read the full guide: https://redhelm.ca/travel-insurance-for-canadians-with-implantable-cardioverter-defibrillators-icds/

Have you travelled with an ICD before? Tell us your experience or ask a question below. 👇

Travelling with an Implantable Cardioverter-Defibrillator (ICD): A Complete Guide to Travel Insurance Canadians with Implantable Cardioverter-Defibrillators (ICDs) can obtain travel insurance for their trips abroad, but policies typically require 90-365 days of medical stability, and some insurers e...

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Monday	9am - 6:30pm
Tuesday	9am - 6:30pm
Wednesday	9am - 6:30pm
Thursday	9am - 6:30pm
Friday	9am - 4:30pm