When you have a home, you imagine living in it forever. You renovate it so the home suits your present and future lifestyle. In time, you purchase things to increase the enjoyment of your home as well as acquire new things of value that you will later give to your beneficiaries. However, it can take

A reservation of rights letter[1] is an insurer’s notification to an insured that there may be none or only limited coverage for a claim under the insurance policy. Such a notification allows an insurer to investigate or even defend a claim to determine whether coverage applies (in whole or in part) without waiving its right

In British Columbia, being totally disabled may not be enough to entitle you to benefits under a disability policy as a result of two common disability policy provisions. First, the policy typically defines the policy term “totally disabled” as your being unable to perform substantially the “whole of the duties of your regular occupation” and