Shannon Lerner - Insurance Advisor
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I help families and singles feel confident living life fully, knowing their finances are under control. Everyone is unique, so we tailor financial recommendations together to secure your finances today while growing wealth for financial goals and dreams. Financial information is one of the most personal and intimate things a person can share. I honour the trust placed in me and provide a safe envi
06/10/2025
$8,000
Gay men generally earn $8,000 to $12,000 less than heterosexual men
Source:https://ourspectrum.com/wp-content/uploads/2021/07/Workplace-discrimination.pdf
06/04/2025
Did you know? Common-law relationships are NOT recognized by estate law in Ontario. (Neither are polycules!)
Q***r folks are disproportionately affected by estate law:
50% of q***r spouses live in a common-law relationship vs 30% of straight spouses.
Contrary to what many think, in the absence of a will a common-law spouse does NOT automatically inherit their spouse’s estate like a married spouse does.
In the absence of a will, the executor, heirs and guardians for dependents are determined by the courts. And that may not be who you want.
This means that if one of you dies, the other could be left without financial protection, unless you have provided for this possibility.
Make a will.
Keep it up-to-date.
Common-law partners should have legal wills that list how they want their estate handled if they die prematurely and who they want to be responsible for raising any minor children and other dependents they have.
Contact your legal advisor for more information.
Source: https://www150.statcan.gc.ca/n1/pub/11-627-m/11-627-m2024046-eng.htm
05/28/2025
4 common life insurance myths… and one truth, too!
I’m too young for life insurance
❎False!
Life insurance is available from birth and rates are often better for people who are younger.
Life insurance is expensive
❎ False!
Life insurance is affordable, even for families watching every penny. A plan can be built taking your cash flow into account.
Single people don’t need life insurance
❎ False!
The earlier you get insurance the better. In the future, someone may rely on you financially and it’s less expensive to get insurance when you are still young and healthy.
My coverage at work is enough
❎ False!
Plans at work typically replace only a year or two of income. Most people need more than that to secure their children and spouses’ future.
Today’s a great day to apply
✅ True!
You’re as young today as you’ll ever be, and health can turn on a dime.
Let’s chat! Get in touch to learn more.
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