Long-Term Care
Welcome to Next Steps Planning Inc. We know that the differences between Long Term Care Insurance and Disability Insurance can be confusing. Our priority is to help clients understand these essential protections and how they can benefit from each. While both serve to support you during challenging times, they are structured to address distinct needs in your life. With our knowledgeable team, we'll work closely to find the best solutions tailored to your individual circumstances. Don’t hesitate to reach out and take the next step towards a secure future!
Do you have enough life, disability and illness insurance? Find out before you need it
Most young people engage with insurance only when legally required—auto, tenant or home insurance.
Typical advice for saving on these types includes shopping around, bundling with other kinds of insurance, and raising your deductible to lower premium payments.
You can also ask for discounts, according to the Insurance Bureau of Canada: if you are mortgage-free, claims-free, or have upgraded your home against fire and flooding, you can likely get a better deal on your home insurance.
For drivers, installing a theft deterrent or a usage-based insurance app which tracks your driving habits can reduce your auto premiums. Keeping a clean driving record is also key, the bureau advises. Your broker or insurer can help find savings within your policy.
Non-mandatory insurance is a lesser-known game, however.
8 critical illness insurance myths
Critical illness insurance is hugely misunderstood. And if you’re not reading the fine print on your policy, you could be relying on inaccurate myths when deciding how much you’ll need. InsurEye, a Canadian insurance education site, has compiled a list of several critical insurance myths. We’ve picked eight that we think need busting.
Other Insurance Services
Financial Planning Tools and Calculators
Access our range of tools and calculators to help you plan for your financial future, calculate insurance needs, and make informed decisions.
Estate Planning
The Will Companion serves as a one-stop place to keep essential information for ongoing reference, as well as emergenices, providing an immediate and lasting benefit - a sense of control over your financial and personal affairs.
Investment Planning
Investment planning is essential for building long-term financial security. It helps individuals identify financial goals, manage risk effectively, and allocate resources wisely to grow wealth over time. With a structured investment plan, people can make informed decisions, stay disciplined during market changes, and improve their chances of achieving milestones such as retirement, education funding, or financial independence.
Philanthropic Planning
Philanthropic planning helps individuals give with purpose and impact. It aligns charitable goals with personal values and financial capacity, ensuring that giving is intentional, tax‑efficient, and sustainable over time. With a thoughtful philanthropic plan, donors can support the causes they care about most while creating a meaningful and lasting legacy.
Risk Management
Risk management is essential for protecting financial stability and long‑term goals. It involves identifying potential risks, evaluating their impact, and putting strategies in place—such as insurance, diversification, and contingency planning—to reduce uncertainty. A strong risk management plan helps individuals safeguard their wealth, income, and lifestyle against unexpected events.