Surviving a major illness isn’t the end of the story — it’s often the beginning of a whole new financial challenge.Every year, thousands of Canadians survive cancer, stroke, and heart attacks. Recovery can take months (or years), and the bills don’t stop. That’s where critical illness insurance can change the outcome: it pays a tax-free lump sum so you can focus on recovery without worrying about cash flow.If you want to see what coverage you can qualify for and what it would cost, book a discovery meeting here:safepacific.com/discoveryIn this video, Laurent Munier (Safe Pacific Financial) breaks down how critical illness insurance works in Canada, what it covers, who it’s for, and how to choose the right amount of protection as part of a smart financial plan — especially if you’re incorporated, self-employed, or a high-income professional.Join the conversationIf this video helped you:• Like the video• Subscribe for weekly Canadian insurance + wealth strategy breakdowns• Share it with a business owner or professional who relies on their income• Comment below with your questions — we read and replyTimestamps00:00 Why surviving an illness creates a financial problem00:19 What critical illness insurance does (tax-free lump sum)00:28 Meet Laurent + what you’ll learn in this video00:47 What critical illness insurance is (and how it differs from disability/health coverage)01:21 What makes it valuable: what the lump sum can actually be used for02:06 Why lowering stress matters during recovery03:27 What critical illness insurance covers (the big conditions)05:03 Why most claims come from a handful of conditions05:53 How we compare carriers and plan features (definitions, return of premium, waiting periods)06:40 Who should consider it (incorporated, self-employed, families, business owners)08:26 Using CI for debt protection, private care, and medical travel09:50 The “hidden” costs people don’t plan for (family travel, parking, meals, logistics)10:42 Why getting coverage while you’re healthy matters (risk stats and planning)11:34 How much coverage do you need (rule of thumb + real life factors)15:32 Common coverage amounts (group plans vs personal coverage)16:37 What critical illness insurance costs (what impacts pricing)17:53 What the application process looks like18:24 Return of premium: how it works and when it may or may not fit19:32 Where CI fits inside a financial plan (protection → savings → growth → tax/estate)20:31 A practical story: why insurance changes recovery decisions21:37 Next steps: get quotes, compare options, and book a discovery meetingBook a discovery meeting: safepacific.com/discoveryGET STARTED NEXT STEPS https://safepacific.com/discovery-schedule/SUBSCRIBE https://www.youtube.com/safepacific?sub_confirmation=1INSTAGRAM https://www.instagram.com/safepacific/LINKEDIN https://www.linkedin.com/company/safe-pacific-financial

Is Infinite Banking a Scam? Let’s Set the Record Straight!

You’ve heard the buzz about Infinite Banking, but is it truly a game-changing financial strategy, or just an overhyped scam? In today’s video, we’re tackling the debate head-on to uncover the truth behind this often misunderstood concept.

Hi, I’m Laurent Munier, partner at Safe Pacific Financial and certified by the Nelson Nash Institute of Infinite Banking. Over the past 14 years, we’ve helped 100s of Canadians set up Infinite Banking policies tailored to their financial goals. Let’s break down the myths, criticisms, and realities of Infinite Banking so you can decide if it’s right for you.

Set up an Infinite Banking meeting with Canadian experts here: https://safepacific.com/ibc-schedule/

Why Do Some People Call Infinite Banking a Scam?
Here are the top criticisms (and the truth behind them):

1. “You Could Make More Money Elsewhere” – Why this comparison misses the point and overlooks key benefits like tax advantages and uninterrupted growth.

2. “It’s Too Expensive” – Breaking down the costs of whole life insurance vs. term insurance (and why they’re not the same thing).

3. “It’s Too Complex” – We simplify the principles and show how the right advisor can make it easy.

4. “You Pay Interest to Use Your Own Money” – Why paying interest is actually a feature, not a flaw, of the strategy.

5. “Pushy Sales Tactics” – How some agents oversell Infinite Banking and why this strategy isn’t for everyone.

What Makes Infinite Banking Worth Considering?
Infinite Banking is a powerful financial tool for the right person. When implemented correctly, it offers:

• Uninterrupted Compound Interest: Grow your wealth without stopping the compounding process.

• Tax-Advantaged Growth: Enjoy benefits that traditional investments can’t match.

• Financial Flexibility: Use your policy’s cash value to fund investments, business ventures, or major expenses—all while it keeps growing.

• Permanent Life Insurance: Build wealth and secure your family’s future with one strategy.

Is Infinite Banking Right for You?
This strategy isn’t for everyone, and that’s okay! It’s best suited for individuals with strong financial habits, consistent cash flow, and a desire for long-term wealth-building. If you’re still building your financial foundation with tools like a TFSA or RRSP, those are great starting points before considering Infinite Banking.

At Safe Pacific, we ensure Infinite Banking aligns with your goals, and we’ll let you know if it’s not the right fit for you. No pressure, no rush—that’s our promise.

Want to Learn More?
Set up an Infinite Banking meeting with Canadian experts here: https://safepacific.com/ibc-schedule/

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What happens to your household… and your business… if you suddenly can’t work?For self-employed Canadians, incorporated professionals, and business owners, your income isn’t just a paycheque — it’s the engine behind everything: your mortgage, your lifestyle, your retirement plan, and often your company’s overhead.In this video, Laurent Munier (Partner & Advisor at Safe Pacific) breaks down how disability insurance works in Canada, why it’s one of the most overlooked (and most claimed) forms of insurance, and how to build the right policy around your occupation, income, and long-term plan.We cover the real-world differences between short-term vs long-term disability, what “own-occupation” actually means, how much coverage you can qualify for, and how to structure the policy so it actually does what you need it to do when it matters.If you’re building wealth, but you haven’t protected the income that builds it, this is where you start.Book a free consultation: safepacific.com/discoveryIf this video helped you, please support the channel:• Like the video• Subscribe for weekly videos on Canadian insurance and wealth strategy• Share this with a business owner or professional who needs income protection• Comment below with your questions — we read and replyTimestamps:00:00 Intro: What happens if you can’t work?00:18 Meet Laurent + why income protection comes first00:39 What disability insurance is (and what it isn’t)01:34 Who needs disability insurance most02:22 The “1 in 3 Canadians” risk (and why it matters)02:47 Why disability is the most claimed — and least sold04:10 Short-term vs long-term disability in Canada06:05 How long-term disability works (waiting periods + payouts)08:06 “Own-occupation” vs “regular” vs “any-occupation”10:17 How much disability insurance do you need?12:22 What expenses your coverage should actually protect13:30 Typical benefit amounts (and why tax-free matters)15:21 What disability insurance costs (and what affects pricing)17:32 How the application process works18:10 Key riders: future insurability, return of premium, residual disability20:01 Disability insurance as the foundation of a financial plan22:35 How to take next steps with Safe Pacific23:29 Like, comment, share, and subscribeGET STARTED NEXT STEPS https://safepacific.com/discovery-schedule/SUBSCRIBE https://www.youtube.com/safepacific?sub_confirmation=1INSTAGRAM https://www.instagram.com/safepacific/LINKEDIN https://www.linkedin.com/company/safe-pacific-financial