{"id":424,"date":"2025-09-20T06:03:48","date_gmt":"2025-09-20T06:03:48","guid":{"rendered":"https:\/\/yourwealthadvisor.ca\/?page_id=424"},"modified":"2025-10-31T07:04:50","modified_gmt":"2025-10-31T07:04:50","slug":"creditor-insurance","status":"publish","type":"page","link":"https:\/\/yourwealthadvisor.ca\/en\/creditor-insurance\/","title":{"rendered":"Creditor insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"424\" class=\"elementor elementor-424\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9bc9be e-flex e-con-boxed e-con e-parent\" data-id=\"b9bc9be\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-13d1fd7 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"13d1fd7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0389875 elementor-widget elementor-widget-heading\" data-id=\"0389875\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Creditor Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9bb335 elementor-widget elementor-widget-text-editor\" data-id=\"b9bb335\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Protect What Matters Most<\/strong><\/p><p data-start=\"182\" data-end=\"248\">When life takes an unexpected turn, your debts stay covered.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20bb773 elementor-widget elementor-widget-button\" data-id=\"20bb773\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Speak with an Advisor<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a80a757 e-flex e-con-boxed e-con e-parent\" data-id=\"a80a757\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9efba5b e-con-full e-flex e-con e-child\" data-id=\"9efba5b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d99125 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"1d99125\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Is Creditor Insurance ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d4bf71 elementor-widget elementor-widget-text-editor\" data-id=\"0d4bf71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Creditor insurance (aka creditor protection) is a policy designed to protect you from financial hardship if you become seriously ill, disabled, lose your job, or pass away.<\/p><p>It helps ensure that your debts (mortgage, credit cards, lines of credit, loans) are paid off or managed so your loved ones aren\u2019t burdened by them.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a477436 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"a477436\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Creditor Insurance Works\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30c9173 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"30c9173\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Covered events<\/b> such as death, serious illness, disability, or involuntary job loss trigger a benefit.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Depending on your plan, the insurer may pay a <b>lump-sum<\/b> or <b>regular payments<\/b> directly to your creditor(s).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">The maximum payment, duration, and exact terms depend on your debt type (loan, mortgage, credit card) and the creditor\/insurer agreement.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm113.9 231L234.4 103.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L285.1 256 183.5 357.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L369.9 273c9.4-9.4 9.4-24.6 0-34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">At purchase you receive a policy certificate that spells out everything: what's covered, waiting periods, exclusions, benefit limits.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0cc9e73 e-con-full e-flex e-con e-child\" data-id=\"0cc9e73\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23749c3 elementor-widget elementor-widget-image\" data-id=\"23749c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"511\" height=\"811\" src=\"https:\/\/yourwealthadvisor.ca\/wp-content\/uploads\/2025\/09\/yourwealthadvisor-Creditor-Insurance-e1759039372192.webp\" class=\"attachment-full size-full wp-image-1150\" alt=\"What Is Creditor Insurance ?\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-797c658 e-flex e-con-boxed e-con e-parent\" data-id=\"797c658\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0b1c7d3 elementor-widget elementor-widget-heading\" data-id=\"0b1c7d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Can Be Insured<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-436a779 elementor-widget elementor-widget-text-editor\" data-id=\"436a779\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Debt Types and Coverage Portions<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7a9d5d elementor-widget elementor-widget-html\" data-id=\"a7a9d5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\r\n\/* \u062c\u062f\u0648\u0644 \u0627\u0635\u0644\u06cc *\/\r\n.life-insurance-table {\r\n  width: 100%;\r\n  border-collapse: separate; \/* \u0628\u0631\u0627\u06cc \u0641\u0639\u0627\u0644 \u0634\u062f\u0646 border-radius *\/\r\n  border-spacing: 0; \/* \u0641\u0627\u0635\u0644\u0647 \u0628\u06cc\u0646 \u0633\u0644\u0648\u0644\u200c\u0647\u0627 \u0635\u0641\u0631 \u0634\u0648\u062f *\/\r\n  font-family: 'Iransans', sans-serif;\r\n  border-radius: 5px; \/* \u06af\u0631\u062f\u06cc \u06af\u0648\u0634\u0647\u200c\u0647\u0627\u06cc \u062c\u062f\u0648\u0644 *\/\r\n  overflow: hidden; \/* \u062c\u0644\u0648\u06af\u06cc\u0631\u06cc \u0627\u0632 \u0628\u06cc\u0631\u0648\u0646 \u0632\u062f\u0646 \u0645\u062d\u062a\u0648\u0627\u06cc \u0631\u062f\u06cc\u0641\u200c\u0647\u0627 *\/\r\n \r\n}\r\n\r\n\/* \u0633\u0631 \u062c\u062f\u0648\u0644 *\/\r\n.life-insurance-table thead tr {\r\n  background-color: #D4AF37;\r\n}\r\n\r\n.life-insurance-table thead th {\r\n  padding: 10px 20px;\r\n  color: #ffffff;\r\n  text-align: center;\r\n  font-size: 17px; \r\n  font-weight: bold; \r\n}\r\n\r\n\/* \u0633\u0644\u0648\u0644\u200c\u0647\u0627\u06cc \u0628\u062f\u0646\u0647 \u062c\u062f\u0648\u0644 *\/\r\n.life-insurance-table tbody td {\r\n  padding: 10px 20px;\r\n  font-size: 16px; \r\n  color: #333333; \r\n  font-weight: 400;\r\n  text-align: center;\r\n  vertical-align: middle;\r\n}\r\n\r\n\/* \u06af\u0631\u062f \u06a9\u0631\u062f\u0646 \u06af\u0648\u0634\u0647\u200c\u0647\u0627\u06cc \u0633\u0631 \u062c\u062f\u0648\u0644 *\/\r\n.life-insurance-table thead tr:first-child th:first-child {\r\n  border-top-left-radius: 12px;\r\n}\r\n.life-insurance-table thead tr:first-child th:last-child {\r\n  border-top-right-radius: 12px;\r\n}\r\n\r\n\/* \u06af\u0631\u062f \u06a9\u0631\u062f\u0646 \u06af\u0648\u0634\u0647\u200c\u0647\u0627\u06cc \u067e\u0627\u06cc\u06cc\u0646 \u062c\u062f\u0648\u0644 *\/\r\n.life-insurance-table tbody tr.total td:first-child {\r\n  border-bottom-left-radius: 12px;\r\n}\r\n.life-insurance-table tbody tr.total td:last-child {\r\n  border-bottom-right-radius: 12px;\r\n}\r\n<\/style>\r\n\r\n\r\n<table class=\"life-insurance-table\">\r\n  <thead>\r\n    <tr>\r\n      <th>Debt Type<\/th>\r\n      <th>What Portions Could Be Covered<\/th>\r\n    <\/tr>\r\n  <\/thead>\r\n  <tbody>\r\n    <tr>\r\n      <td><b>Mortgage (home loan)<\/td>\r\n      <td>Unpaid balance, potentially future payments depending on plan<\/td>\r\n    <\/tr>\r\n    <tr>\r\n      <td><b>Personal Loans \/ Lines of Credit<\/td>\r\n      <td>Balance or a portion of payments<\/td>\r\n    <\/tr>\r\n    <tr>\r\n      <td><b>Credit Card Debt<\/td>\r\n      <td>Outstanding balance or minimum payments<\/td>\r\n    <\/tr>\r\n    <tr>\r\n      <td><b>Business Loans<\/td>\r\n      <td>If tied to personal guarantee or owner\u2019s liability<\/td>\r\n    <\/tr>\r\n  <\/tbody>\r\n<\/table>\r\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4cc3e66 e-flex e-con-boxed e-con e-parent\" data-id=\"4cc3e66\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2576ea9 elementor-widget elementor-widget-heading\" data-id=\"2576ea9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Is Covered vs. What Is Not<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fe5224 elementor-widget elementor-widget-text-editor\" data-id=\"4fe5224\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Covered Events and Possible Exclusions<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a9b322 elementor-widget elementor-widget-html\" data-id=\"7a9b322\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\r\n\/* \u062c\u062f\u0648\u0644 \u0627\u0635\u0644\u06cc *\/\r\n.sajjad-custom-table {\r\n  width: 100%;\r\n  border-collapse: separate;\r\n  border-spacing: 0;\r\n  font-family: 'Iransans', sans-serif;\r\n  border-radius: 5px;\r\n  overflow: hidden;\r\n}\r\n\r\n\/* \u0633\u0631 \u062c\u062f\u0648\u0644 *\/\r\n.sajjad-custom-table thead tr {\r\n  background-color: #D4AF37;\r\n}\r\n\r\n.sajjad-custom-table thead td {\r\n  padding: 10px 20px;\r\n  color: #ffffff;\r\n  text-align: center;\r\n  font-size: 17px; \r\n  font-weight: bold;\r\n  align-items: center;\r\n  justify-content: center;\r\n  gap: 8px; \/* \u0641\u0627\u0635\u0644\u0647 \u0628\u06cc\u0646 \u0645\u062a\u0646 \u0648 \u0622\u06cc\u06a9\u0648\u0646 *\/\r\n}\r\n\r\n\/* \u0633\u0644\u0648\u0644\u200c\u0647\u0627\u06cc \u0628\u062f\u0646\u0647 \u062c\u062f\u0648\u0644 *\/\r\n.sajjad-custom-table tbody td {\r\n  padding: 10px 20px;\r\n  font-size: 16px; \r\n  color: #333333; \r\n  font-weight: 400;\r\n  text-align: left;\r\n  vertical-align: middle;\r\n}\r\n\r\n\/* \u06af\u0631\u062f \u06a9\u0631\u062f\u0646 \u06af\u0648\u0634\u0647\u200c\u0647\u0627\u06cc \u0633\u0631 \u062c\u062f\u0648\u0644 *\/\r\n.sajjad-custom-table thead tr:first-child th:first-child {\r\n  border-top-left-radius: 12px;\r\n}\r\n.sajjad-custom-table thead tr:first-child th:last-child {\r\n  border-top-right-radius: 12px;\r\n}\r\n\r\n\/* \u06af\u0631\u062f \u06a9\u0631\u062f\u0646 \u06af\u0648\u0634\u0647\u200c\u0647\u0627\u06cc \u067e\u0627\u06cc\u06cc\u0646 \u062c\u062f\u0648\u0644 *\/\r\n.sajjad-custom-table tbody tr.total td:first-child {\r\n  border-bottom-left-radius: 12px;\r\n}\r\n.sajjad-custom-table tbody tr.total td:last-child {\r\n  border-bottom-right-radius: 12px;\r\n}\r\n\r\n<\/style>\r\n\r\n<table class=\"sajjad-custom-table\">\r\n  <thead>\r\n    <tr>\r\n      <td>\r\n        Covered Events\r\n      <\/td>\r\n      <td>\r\n        Possible Exclusions \/ Limitations\r\n      <\/td>\r\n    <\/tr>\r\n  <\/thead>\r\n  <tbody>\r\n    <tr>\r\n      <td><b>Death<\/td>\r\n      <td>Pre-existing conditions; small-print definitions of \"death\" (accident vs natural causes)<\/td>\r\n    <\/tr>\r\n    <tr>\r\n      <td><b>Serious Illness (e.g. cancer, heart attack, stroke)<\/td>\r\n      <td>Severity definitions; what qualifies can be strict; waiting periods apply<\/td>\r\n    <\/tr>\r\n    <tr>\r\n      <td><b>Disability (temporarily or long-term)<\/td>\r\n      <td>How \u201cdisability\u201d is defined; how much income you earn; some policies focus only on inability to do any job vs your current job<\/td>\r\n    <\/tr>\r\n    <tr>\r\n      <td><b>Job Loss due to involuntary layoff<\/td>\r\n      <td>Does not include quitting; coverage may be limited to certain durations; may require minimum employment period before coverage kicks in<\/td>\r\n    <\/tr>\r\n  <\/tbody>\r\n<\/table>\r\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a65bbf e-flex e-con-boxed e-con e-parent\" data-id=\"4a65bbf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2b07b7f e-con-full e-flex e-con e-child\" data-id=\"2b07b7f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1974c0f elementor-widget elementor-widget-image\" data-id=\"1974c0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"585\" height=\"774\" src=\"https:\/\/yourwealthadvisor.ca\/wp-content\/uploads\/2025\/09\/yourwealthadvisor-coverage-e1758966641281.webp\" class=\"attachment-full size-full wp-image-1075\" alt=\"How Much Coverage Do You Need?\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ad0d25 e-con-full e-flex e-con e-child\" data-id=\"1ad0d25\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34ccd46 elementor-widget elementor-widget-heading\" data-id=\"34ccd46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Much Coverage Do You Need?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc9fbfe elementor-widget elementor-widget-text-editor\" data-id=\"dc9fbfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>When deciding your creditor insurance amount, think through:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9234a4f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9234a4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Your total outstanding debts,<\/b> including mortgage, credit cards, and loans.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Monthly payments<\/b> required for those debts.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Whether you want to protect just the balance, or also future payments.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Your current savings \/ emergency fund (how much cushion you already have).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Your income sources and whether others depend on your earning ability.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6e1e57 elementor-widget elementor-widget-text-editor\" data-id=\"f6e1e57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Example:<\/strong><\/p><p>You have a mortgage of $250,000, credit card balances of $15,000, and a line of credit with $10,000 outstanding.<\/p><p>You want creditor insurance that covers the full balances and monthly payments for at least 6 months if you become disabled or lose your job. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b6c267c e-flex e-con-boxed e-con e-parent\" data-id=\"b6c267c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5fc452 elementor-widget elementor-widget-image\" data-id=\"c5fc452\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/yourwealthadvisor.ca\/wp-content\/uploads\/2025\/09\/scale.png\" class=\"attachment-full size-full wp-image-1083\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db12895 elementor-widget elementor-widget-heading\" data-id=\"db12895\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pros &amp; Cons of Creditor Insurance vs Personal Insurance Options<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5270a29 elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"5270a29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\r\n.custom-table-wrapper {\r\n  width: 100%;\r\n  overflow-x: auto; \/* \u0627\u0633\u06a9\u0631\u0648\u0644 \u0627\u0641\u0642\u06cc \u062f\u0631 \u0645\u0648\u0628\u0627\u06cc\u0644 *\/\r\n  margin: 20px auto;\r\n}\r\n\r\n.custom-table {\r\n  width: 100%;\r\n  border-collapse: collapse;\r\n  font-family: Iransans, sans-serif;\r\n  text-align: center;\r\n  border-radius: 5px;\r\n  overflow: hidden;\r\n  min-width: 600px; \/* \u062c\u0644\u0648\u06af\u06cc\u0631\u06cc \u0627\u0632 \u0641\u0634\u0631\u062f\u0647 \u0634\u062f\u0646 \u0628\u06cc\u0634 \u0627\u0632 \u062d\u062f *\/\r\n  table-layout: fixed; \/* \u0633\u062a\u0648\u0646\u200c\u0647\u0627 \u0639\u0631\u0636 \u062b\u0627\u0628\u062a \u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u0646 *\/\r\n}\r\n\r\n\/* \u0627\u0633\u062a\u0627\u06cc\u0644 \u0647\u062f\u0631 *\/\r\n.custom-table thead th {\r\n  background: #D4AF37;\r\n  color: #fff;\r\n  padding: 14px;\r\n  font-size: 16px;\r\n  font-weight: 600;\r\n  text-align: center;\r\n  white-space: nowrap;\r\n}\r\n\r\n\/* \u0633\u0644\u0648\u0644\u200c\u0647\u0627 *\/\r\n.custom-table td, \r\n.custom-table th {\r\n  border: 1px solid #ddd;\r\n  padding: 12px;\r\n  vertical-align: top;\r\n  font-size: 15px;\r\n  font-weight: 400;\r\n  line-height: 1.6;\r\n  word-wrap: break-word; \/* \u0634\u06a9\u0633\u062a\u0646 \u0645\u062a\u0646 \u062f\u0631 \u0635\u0648\u0631\u062a \u0637\u0648\u0644\u0627\u0646\u06cc \u0628\u0648\u062f\u0646 *\/\r\n}\r\n\r\n\/* \u0631\u062f\u06cc\u0641\u200c\u0647\u0627 *\/\r\n.custom-table tbody tr:nth-child(even) {\r\n  background: #f9f9f9;\r\n}\r\n\r\n.custom-table tbody tr:hover {\r\n  background: #eef5ff;\r\n}\r\n\r\n\/* \u0645\u062a\u0646 \u0628\u0648\u0644\u062f \u062f\u0627\u062e\u0644 \u0633\u0644\u0648\u0644 *\/\r\n.custom-table td b {\r\n  color: #333;\r\n  font-weight: 500;\r\n  font-size: 15px;\r\n}\r\n\r\n\/* \u0648\u0627\u06a9\u0646\u0634\u200c\u06af\u0631\u0627\u06cc\u06cc \u0628\u0631\u0627\u06cc \u0645\u0648\u0628\u0627\u06cc\u0644 *\/\r\n@media (max-width: 768px) {\r\n  .custom-table-wrapper {\r\n    overflow-x: scroll;\r\n  }\r\n  .custom-table {\r\n    font-size: 14px;\r\n  }\r\n  .custom-table td, .custom-table th {\r\n    padding: 10px;\r\n  }\r\n}\r\n<\/style>\r\n\r\n<div class=\"custom-table-wrapper\">\r\n  <table class=\"custom-table\">\r\n    <!-- \u062a\u0646\u0638\u06cc\u0645 \u0639\u0631\u0636 \u0633\u062a\u0648\u0646\u200c\u0647\u0627 -->\r\n    <colgroup>\r\n      <col style=\"width: 19%;\"> <!-- \u0633\u062a\u0648\u0646 \u0627\u0648\u0644 -->\r\n      <col style=\"width: 40%;\"> <!-- \u0633\u062a\u0648\u0646 \u062f\u0648\u0645 -->\r\n      <col style=\"width: 39%;\"> <!-- \u0633\u062a\u0648\u0646 \u0633\u0648\u0645 -->\r\n    <\/colgroup>\r\n    <thead>\r\n      <tr>\r\n        <th><\/th>\r\n        <th>Creditor Insurance<\/th>\r\n        <th>Personal Insurance (Life, Disability,\r\nCritical Illness)<\/th>\r\n      <\/tr>\r\n    <\/thead>\r\n    <tbody>\r\n      <tr>\r\n        <td><b>Purpose<\/b><\/td>\r\n        <td>Covers debt so creditors are paid.<\/td>\r\n        <td>Covers your family\u2019s income, lifestyle,\r\nlong-term goals.\r\n<\/td>\r\n      <\/tr>\r\n      <tr>\r\n        <td><b>Beneficiary<\/b><\/td>\r\n        <td>Creditor (bank \/ lender) usually gets\r\npaid.<\/td>\r\n        <td>Your family or whoever you designate.\r\n<\/td>\r\n      <\/tr>\r\n      <tr>\r\n        <td><b>Flexibility<\/b><\/td>\r\n        <td> Tied to debt amounts & loan terms.<br>\r\nOnce debt is paid, coverage ceases.<\/td>\r\n        <td>More flexible, covers broader needs,\r\nremains in force regardless of debt\r\nstatus.<\/td>\r\n      <\/tr>\r\n      <tr>\r\n        <td><b>Cost<\/b><\/td>\r\n        <td>Often cheaper for specific debts, but\r\nmay have more constraints.<\/td>\r\n        <td>Usually more expensive, but provides\r\nbroader protection.<\/td>\r\n      <\/tr>\r\n    <\/tbody>\r\n  <\/table>\r\n<\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f0588c e-flex e-con-boxed e-con e-parent\" data-id=\"5f0588c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b3bcfe1 e-con-full e-flex e-con e-child\" data-id=\"b3bcfe1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8936bcc elementor-widget elementor-widget-image\" data-id=\"8936bcc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/yourwealthadvisor.ca\/wp-content\/uploads\/2025\/09\/yourwealthadvisor-advisor.webp\" class=\"attachment-full size-full wp-image-1000\" alt=\"Why Work With a Broker Instead of a Bank or One Company?\" srcset=\"https:\/\/yourwealthadvisor.ca\/wp-content\/uploads\/2025\/09\/yourwealthadvisor-advisor.webp 800w, https:\/\/yourwealthadvisor.ca\/wp-content\/uploads\/2025\/09\/yourwealthadvisor-advisor-768x768.webp 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4d95bee e-con-full e-flex e-con e-child\" data-id=\"4d95bee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ccd537 elementor-widget elementor-widget-icon-box\" data-id=\"7ccd537\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWhy Work With a Broker\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAs an independent financial advisor:\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01d8866 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"01d8866\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-check\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm89.6 32h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-41.6c0-74.2-60.2-134.4-134.4-134.4zm323-128.4l-27.8-28.1c-4.6-4.7-12.1-4.7-16.8-.1l-104.8 104-45.5-45.8c-4.6-4.7-12.1-4.7-16.8-.1l-28.1 27.9c-4.7 4.6-4.7 12.1-.1 16.8l81.7 82.3c4.6 4.7 12.1 4.7 16.8.1l141.3-140.2c4.6-4.7 4.7-12.2.1-16.8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">I can compare multiple creditor insurance products and lenders, not just the ones your loan provider offers<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 48c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m140.204 130.267l-22.536-22.718c-4.667-4.705-12.265-4.736-16.97-.068L215.346 303.697l-59.792-60.277c-4.667-4.705-12.265-4.736-16.97-.069l-22.719 22.536c-4.705 4.667-4.736 12.265-.068 16.971l90.781 91.516c4.667 4.705 12.265 4.736 16.97.068l172.589-171.204c4.704-4.668 4.734-12.266.067-16.971z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Help you understand the fine print: waiting periods, definitions, exclusions.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-coins\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 405.3V448c0 35.3 86 64 192 64s192-28.7 192-64v-42.7C342.7 434.4 267.2 448 192 448S41.3 434.4 0 405.3zM320 128c106 0 192-28.7 192-64S426 0 320 0 128 28.7 128 64s86 64 192 64zM0 300.4V352c0 35.3 86 64 192 64s192-28.7 192-64v-51.6c-41.3 34-116.9 51.6-192 51.6S41.3 334.4 0 300.4zm416 11c57.3-11.1 96-31.7 96-55.4v-42.7c-23.2 16.4-57.3 27.6-96 34.5v63.6zM192 160C86 160 0 195.8 0 240s86 80 192 80 192-35.8 192-80-86-80-192-80zm219.3 56.3c60-10.8 100.7-32 100.7-56.3v-42.7c-35.5 25.1-96.5 38.6-160.7 41.8 29.5 14.3 51.2 33.5 60 57.2z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Find you the most cost-effective solution that still protects what matters.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-friends\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M192 256c61.9 0 112-50.1 112-112S253.9 32 192 32 80 82.1 80 144s50.1 112 112 112zm76.8 32h-8.3c-20.8 10-43.9 16-68.5 16s-47.6-6-68.5-16h-8.3C51.6 288 0 339.6 0 403.2V432c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48v-28.8c0-63.6-51.6-115.2-115.2-115.2zM480 256c53 0 96-43 96-96s-43-96-96-96-96 43-96 96 43 96 96 96zm48 32h-3.8c-13.9 4.8-28.6 8-44.2 8s-30.3-3.2-44.2-8H432c-20.4 0-39.2 5.9-55.7 15.4 24.4 26.3 39.7 61.2 39.7 99.8v38.4c0 2.2-.5 4.3-.6 6.4H592c26.5 0 48-21.5 48-48 0-61.9-50.1-112-112-112z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Assist with claims if something goes wrong \u2014 you don\u2019t navigate it alone.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c87444f e-flex e-con-boxed e-con e-parent\" data-id=\"c87444f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c0f26af e-con-full e-flex e-con e-child\" data-id=\"c0f26af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cbbd5d8 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"cbbd5d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-question\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M202.021 0C122.202 0 70.503 32.703 29.914 91.026c-7.363 10.58-5.093 25.086 5.178 32.874l43.138 32.709c10.373 7.865 25.132 6.026 33.253-4.148 25.049-31.381 43.63-49.449 82.757-49.449 30.764 0 68.816 19.799 68.816 49.631 0 22.552-18.617 34.134-48.993 51.164-35.423 19.86-82.299 44.576-82.299 106.405V320c0 13.255 10.745 24 24 24h72.471c13.255 0 24-10.745 24-24v-5.773c0-42.86 125.268-44.645 125.268-160.627C377.504 66.256 286.902 0 202.021 0zM192 373.459c-38.196 0-69.271 31.075-69.271 69.271 0 38.195 31.075 69.27 69.271 69.27s69.271-31.075 69.271-69.271-31.075-69.27-69.271-69.27z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Creditor Insurance FAQs<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a28b355 elementor-widget elementor-widget-n-accordion\" data-id=\"a28b355\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:300,&quot;sizes&quot;:[]},&quot;max_items_expended&quot;:&quot;one&quot;}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1700\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1700\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Am I forced to take creditor insurance when I take a loan? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-question\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M202.021 0C122.202 0 70.503 32.703 29.914 91.026c-7.363 10.58-5.093 25.086 5.178 32.874l43.138 32.709c10.373 7.865 25.132 6.026 33.253-4.148 25.049-31.381 43.63-49.449 82.757-49.449 30.764 0 68.816 19.799 68.816 49.631 0 22.552-18.617 34.134-48.993 51.164-35.423 19.86-82.299 44.576-82.299 106.405V320c0 13.255 10.745 24 24 24h72.471c13.255 0 24-10.745 24-24v-5.773c0-42.86 125.268-44.645 125.268-160.627C377.504 66.256 286.902 0 202.021 0zM192 373.459c-38.196 0-69.271 31.075-69.271 69.271 0 38.195 31.075 69.27 69.271 69.27s69.271-31.075 69.271-69.271-31.075-69.27-69.271-69.27z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1700\" class=\"elementor-element elementor-element-e55b931 e-con-full e-flex e-con e-child\" data-id=\"e55b931\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fdb37e7 elementor-widget elementor-widget-text-editor\" data-id=\"fdb37e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No. Lenders may offer it, but you are not obligated.<\/p><p>You have the right to shop around for better rates or decline.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1701\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1701\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> If I already have life or disability insurance, do I still need creditor insurance? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-question\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M202.021 0C122.202 0 70.503 32.703 29.914 91.026c-7.363 10.58-5.093 25.086 5.178 32.874l43.138 32.709c10.373 7.865 25.132 6.026 33.253-4.148 25.049-31.381 43.63-49.449 82.757-49.449 30.764 0 68.816 19.799 68.816 49.631 0 22.552-18.617 34.134-48.993 51.164-35.423 19.86-82.299 44.576-82.299 106.405V320c0 13.255 10.745 24 24 24h72.471c13.255 0 24-10.745 24-24v-5.773c0-42.86 125.268-44.645 125.268-160.627C377.504 66.256 286.902 0 202.021 0zM192 373.459c-38.196 0-69.271 31.075-69.271 69.271 0 38.195 31.075 69.27 69.271 69.27s69.271-31.075 69.271-69.271-31.075-69.27-69.271-69.27z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1701\" class=\"elementor-element elementor-element-4b57cc7 e-con-full e-flex e-con e-child\" data-id=\"4b57cc7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bc54a8c elementor-widget elementor-widget-text-editor\" data-id=\"bc54a8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It depends on your debts and how much coverage you have.<\/p><p>Sometimes you might already be protected enough; in other cases creditor insurance can offer targeted protection with less<br \/>cost.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1702\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1702\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Will creditor insurance cover involuntary job loss? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-question\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M202.021 0C122.202 0 70.503 32.703 29.914 91.026c-7.363 10.58-5.093 25.086 5.178 32.874l43.138 32.709c10.373 7.865 25.132 6.026 33.253-4.148 25.049-31.381 43.63-49.449 82.757-49.449 30.764 0 68.816 19.799 68.816 49.631 0 22.552-18.617 34.134-48.993 51.164-35.423 19.86-82.299 44.576-82.299 106.405V320c0 13.255 10.745 24 24 24h72.471c13.255 0 24-10.745 24-24v-5.773c0-42.86 125.268-44.645 125.268-160.627C377.504 66.256 286.902 0 202.021 0zM192 373.459c-38.196 0-69.271 31.075-69.271 69.271 0 38.195 31.075 69.27 69.271 69.27s69.271-31.075 69.271-69.271-31.075-69.27-69.271-69.27z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1702\" class=\"elementor-element elementor-element-8f3e9c7 e-con-full e-flex e-con e-child\" data-id=\"8f3e9c7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-830e595 elementor-widget elementor-widget-text-editor\" data-id=\"830e595\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Possibly, but policies vary. Some only cover job loss under very specific conditions (e.g. layoff, not quitting), with waiting periods or max durations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1703\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1703\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Does coverage end when the debt is paid? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-question\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M202.021 0C122.202 0 70.503 32.703 29.914 91.026c-7.363 10.58-5.093 25.086 5.178 32.874l43.138 32.709c10.373 7.865 25.132 6.026 33.253-4.148 25.049-31.381 43.63-49.449 82.757-49.449 30.764 0 68.816 19.799 68.816 49.631 0 22.552-18.617 34.134-48.993 51.164-35.423 19.86-82.299 44.576-82.299 106.405V320c0 13.255 10.745 24 24 24h72.471c13.255 0 24-10.745 24-24v-5.773c0-42.86 125.268-44.645 125.268-160.627C377.504 66.256 286.902 0 202.021 0zM192 373.459c-38.196 0-69.271 31.075-69.271 69.271 0 38.195 31.075 69.27 69.271 69.27s69.271-31.075 69.271-69.271-31.075-69.27-69.271-69.27z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1703\" class=\"elementor-element elementor-element-4026b89 e-con-full e-flex e-con e-child\" data-id=\"4026b89\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ad22f5 elementor-widget elementor-widget-text-editor\" data-id=\"6ad22f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Generally yes \u2014 since creditor insurance is tied to a specific debt.<\/p><p>If the debt is fully paid off, there\u2019s nothing more to insure for that specific obligation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c304f93 e-con-full e-flex e-con e-child\" data-id=\"c304f93\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a4930be elementor-widget elementor-widget-heading\" data-id=\"a4930be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cost Factors for Creditor Insurance<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f60d012 e-con-full e-flex e-con e-child\" data-id=\"f60d012\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ccd6e21 elementor-widget elementor-widget-heading\" data-id=\"ccd6e21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1 - Debt Amount<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2613edb elementor-widget elementor-widget-text-editor\" data-id=\"2613edb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"189\" data-end=\"314\">The total debt you want covered directly affects your premium \u2014 higher debt usually means higher cost.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-04d3c05 e-con-full e-flex e-con e-child\" data-id=\"04d3c05\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba92f2e elementor-widget elementor-widget-heading\" data-id=\"ba92f2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2 - Type of Debt<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bb4efc elementor-widget elementor-widget-text-editor\" data-id=\"5bb4efc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"316\" data-end=\"445\">Different debt types (credit card, mortgage, business loan) have varying risk levels, impacting the cost.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e89d32e e-con-full e-flex e-con e-child\" data-id=\"e89d32e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d9d40e elementor-widget elementor-widget-heading\" data-id=\"5d9d40e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3 - Age, Health, and Lifestyle<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdd050f elementor-widget elementor-widget-text-editor\" data-id=\"cdd050f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"447\" data-end=\"596\">Your personal profile \u2014 including age, current health, and lifestyle choices \u2014 influences your insurance rates.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-23fae23 e-con-full e-flex e-con e-child\" data-id=\"23fae23\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4bb0c3 elementor-widget elementor-widget-heading\" data-id=\"f4bb0c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4 - Coverage for Multiple Events<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b86a09 elementor-widget elementor-widget-text-editor\" data-id=\"9b86a09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"598\" data-end=\"745\">Adding protection for several events like death, disability, illness, or job loss can increase the premium.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b1ae5f5 e-con-full e-flex e-con e-child\" data-id=\"b1ae5f5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1da2165 elementor-widget elementor-widget-heading\" data-id=\"1da2165\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5 - Waiting Periods, Exclusions, and Duration<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02133d5 elementor-widget elementor-widget-text-editor\" data-id=\"02133d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"747\" data-end=\"902\">Longer waiting periods, strict exclusions, and maximum coverage duration also affect the overall cost.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-277f1e7 e-con-full e-flex e-con e-child\" data-id=\"277f1e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce0ebd5 elementor-widget elementor-widget-text-editor\" data-id=\"ce0ebd5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"904\" data-end=\"1120\"><strong>Ballpark Estimate<\/strong><\/p><p data-start=\"904\" data-end=\"1120\">For a healthy 30\u201340 year old wanting $50,000 of debt coverage with death and disability protection, monthly premiums might be around $10\u2013$30.<\/p><p data-start=\"904\" data-end=\"1120\">(This is an estimate; actual costs vary widely.)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-85cccff e-flex e-con-boxed e-con e-parent\" data-id=\"85cccff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b05ffe0 e-con-full e-flex e-con e-child\" data-id=\"b05ffe0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b448410 elementor-widget elementor-widget-heading\" data-id=\"b448410\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Protect Your Debt, Protect Your Peace of Mind<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92bded2 elementor-widget elementor-widget-text-editor\" data-id=\"92bded2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Don\u2019t let an unexpected crisis leave your family with debt burdens. Let\u2019s build a creditor<br \/>protection plan that fits <strong>your debts, your budget, your needs. <\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5106a4e elementor-widget elementor-widget-button\" data-id=\"5106a4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact an advisor<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Creditor Insurance Protect What Matters Most When life takes an unexpected turn, your debts stay covered. Speak with an Advisor [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-424","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/yourwealthadvisor.ca\/en\/wp-json\/wp\/v2\/pages\/424","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yourwealthadvisor.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/yourwealthadvisor.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/yourwealthadvisor.ca\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/yourwealthadvisor.ca\/en\/wp-json\/wp\/v2\/comments?post=424"}],"version-history":[{"count":43,"href":"https:\/\/yourwealthadvisor.ca\/en\/wp-json\/wp\/v2\/pages\/424\/revisions"}],"predecessor-version":[{"id":1933,"href":"https:\/\/yourwealthadvisor.ca\/en\/wp-json\/wp\/v2\/pages\/424\/revisions\/1933"}],"wp:attachment":[{"href":"https:\/\/yourwealthadvisor.ca\/en\/wp-json\/wp\/v2\/media?parent=424"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}