Michelle Calanday Independent Broker

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Michelle Calanday Independent Broker

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📱 1-306-831-2434

09/30/2026

💚 September 30 | Life Insurance Awareness Month

As September comes to an end, I hope these daily posts have helped make insurance a little easier to understand.

If there’s one message I’d like to leave, it’s this:

Insurance isn’t about fear. It’s about having a plan.

You don’t need every insurance product.

You don’t necessarily need the same coverage as your friend, neighbour or coworker.

And you shouldn’t make an insurance decision simply because someone tells you that you “need” something.

Learn.

Ask questions.

Understand what you already have.

Consider the people who depend on you.

Think about your goals and your budget.

And make an informed decision that’s appropriate for your own life and circumstances.

For me, Insurance Awareness Month may end today—but financial education shouldn’t.

I’ll continue sharing information that can help families better understand protection, planning, retirement, and preparing for life’s different seasons.

💚 Sharing information. Helping people understand. One conversation at a time.

09/29/2026

💚 September 29 | Life Insurance Awareness Month

One of the best insurance habits costs $0.

Review what you already have.

You may already have:

📄 Personal life insurance
💼 Employer benefits
🩺 Critical illness or disability coverage
🏠 Coverage connected to a mortgage or loan
💰 Savings and investments

Put the information together and ask:

“If something happened to me today, do I understand what protection I have?”

You may discover a gap.

You may discover you’re adequately protected.

Or you may simply discover that you finally understand the policies you’ve been paying for.

All three outcomes are valuable.

💚 Insurance awareness begins with knowing what you already have.

09/27/2026

💚 September 27 | Life Insurance Awareness Month

Do your loved ones know where your important documents are?

You can have a good financial plan—but someone may eventually need to know where to find it.

Consider keeping an organized record of important information such as:

📄 Insurance policies
🏦 Financial institution information
⚖️ Will and estate documents
👤 Important professional contacts
💼 Employer benefit information
⚱️ Funeral or final wishes, if you’ve prepared them

Keep sensitive information secure, and be thoughtful about what information you share and with whom.

But make sure someone you trust knows where important documents can be found when they’re needed.

Planning isn’t only about having documents.

It’s also about making your plan easier for your family to navigate. ❤️

09/26/2026

💚 September 26 | Life Insurance Awareness Month

Can you afford your insurance long-term?

This is an important question that sometimes gets overlooked.

Insurance isn’t only about how much coverage you can qualify for.

It’s also about what you can comfortably maintain.

Before choosing coverage, consider:

💵 Does the premium fit my current budget?
📈 Can the premium change in the future?
📅 How long do I expect to need this coverage?
🏠 What other financial priorities do I have?
📄 Do I understand my options?

Having a large policy doesn’t help if maintaining it creates financial stress or you can’t keep it when you need it.

💚 Good planning considers protection AND affordability.

09/25/2026

💚 September 25 | Life Insurance Awareness Month

What’s the best life insurance?

Here’s my favourite answer:

It depends.

Term? Permanent? A combination? Employer coverage? A different amount altogether?

The “best” insurance isn’t necessarily the most expensive policy or the one with the most features.

An appropriate solution should consider things like:

👨‍👩‍👧 Your family situation
💵 Income
💳 Debts
🏠 Financial obligations
💰 Savings and existing assets
📄 Coverage you already have
🎯 Your goals
💚 Your budget

Insurance should fit into your life—not make your life financially uncomfortable.

📚 The right conversation starts with your needs, not with a product.

09/24/2026

💚 September 24 | Life Insurance Awareness Month

Don’t cancel an existing life insurance policy too quickly.

Maybe you’ve found another policy.

Maybe someone told you there’s something “better.”

Maybe your premium feels expensive.

Before cancelling existing coverage, understand what you’re giving up.

Consider:

📄 Would you need to qualify medically for new coverage?
💰 What will the new coverage cost?
⏳ Are there new policy provisions or periods you should understand?
📅 How long does your current coverage last?
❤️ Has your health changed since your original policy was issued?

Replacing coverage can sometimes be appropriate—but it should be carefully evaluated.

Never cancel existing coverage simply because something new sounds better. Understand both first.

09/23/2026

💚 September 23 | Life Insurance Awareness Month

Does life insurance automatically pay every claim?

Insurance policies are contracts, and claims are assessed according to the terms of the policy and applicable requirements.

That’s one reason the application process matters so much.

When applying:

✔️ Answer questions carefully and truthfully
✔️ Don’t intentionally omit relevant information
✔️ Read your policy when you receive it
✔️ Understand important exclusions and limitations
✔️ Ask questions about anything you don’t understand

The goal isn’t simply to get an application approved.

The goal is to put coverage in place with accurate information and a clear understanding of the contract.

📚 Good insurance planning starts before the policy is issued.

09/22/2026

💚 September 22 | Life Insurance Awareness Month

What is a beneficiary?

A beneficiary is the person or entity designated to receive the life insurance benefit when the insured person dies, according to the terms of the policy.

Sounds simple—but beneficiary designations deserve careful attention.

Consider:

👤 Is the person you named still the person you intend?
📄 Is your information current?
👶 Have you named a minor? If so, do you understand the considerations involved?
⚖️ Do you understand whether your designation is revocable or irrevocable?

Beneficiary decisions can have legal and estate implications, so certain situations may require professional legal or tax advice.

Don’t simply write down a name and forget about it.

💚 Your beneficiary designation is an important part of your financial plan.

09/21/2026

💚 September 21 | Life Insurance Awareness Month

Insurance Myth: “If I’m healthy, I don’t need insurance.”

Being healthy is wonderful—and something to be grateful for. ❤️

But insurance isn’t a prediction that something bad will happen.

It’s a way of considering the financial consequences if something unexpected does happen.

Being healthy today doesn’t tell us exactly what life will look like 5, 10 or 20 years from now.

At the same time, being healthy doesn’t automatically mean you need every type of insurance available.

Ask instead:

If something happened to me, who or what would be financially affected?

That’s a much better starting point.

📚 Insurance planning should be based on needs—not fear.

09/20/2026

💚 September 20 | Life Insurance Awareness Month

Do business owners need to think differently about insurance?

When you own a business, more people may depend on you financially than you realize.

Your family may depend on your income.

Your employees may depend on the business continuing.

Your business partner may depend on your contribution.

Your company may also have debts or financial commitments.

Depending on the business, insurance planning may include considerations around:

🏢 Business continuity
🤝 Buy-sell arrangements
💳 Business debts
👤 Key people
👨‍👩‍👧 Family protection

Business insurance planning can become complex, and legal, accounting and tax advice may also be important.

💚 Protecting your business isn’t only about the business. It’s about the people connected to it.

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Saskatoon, SK

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