This is the home of all the news about Vital Partners, as well as our blogs, newsletters, and event notices. Check back often to see what is going on at Vital Partners.

Insurance Jargon, Decoded: Non-Evidence Maximum

A non-evidence maximum, or NEM, is the amount that the insurance company is willing to provide without medical questions or proof of good health or medical evidence. Non-evidence maximum applies to some group long-term disability and life insurance plans and are determined by the insurer based...

Premium Tax Increase

Alberta’s budget, released in October 2015 proposed a range of tax increases. Some of these increases will impact benefit plan pricing in 2016 and 2017. What is the change? Taxes are included in insurers’ premium rates. Consequently, group benefit plan sponsors should expect increases to rates at...

How to Thrive in Turbulent Times

Guest Blog by Oliver Baezner (former VP Big Rock Brewery & Founder, Sonic Breakthrough Coaching) Henry Ford really did get it right when he said, “Whether you think you can, or you think you can't--you're right.”  I have spoken with many business owners and CEOs over...

In the News: Charity Village, March 30, 2016

How can nonprofits make better decisions about their benefit plans? By creating a benefits philosophy for their organization Our co-principal Andrea Shandro has written an article on this topic for Charity Village, the HR partner for recruitment in the Canadian nonprofit sector. Here is an excerpt...

In the News: IdeaMensch, March 28, 2016

IdeaMensch, a website where entrepreneurs share their ideas and experiences with the community, has featured our co-principals Andrea Shandro and Jennifer Kirby. Andrea and Jennifer shared their everyday habits, as well as advice for other entrepreneurs. Here is an excerpt from the article: We often ask our clients...

Need to Know: Insurance – February 2016

It’s time for another edition of our monthly “Need to Know” series, where we rotate between our focus areas of Insurance and Employee Benefits. This month, our focus is on Insurance. In this edition of our monthly roundup, we are focusing on the difference between mortgage...

Insurance Jargon, Decoded: Residual Benefits

What is a residual definition of disability? Disability insurance contracts, whether group or individual, are not created equal and it is important to review the definitions within the contract when reviewing or considering the purchase of coverage. One of the first things to look at is the...

Mortgage vs Individually Owned Life Insurance

Purchasing a home is a great achievement. However, a mortgage is a financial obligation which always needs to be paid-off. This is why insurance companies offer policies to cover your mortgage in the event that you pass away with a remaining balance on your loan. If...