Stay informed with the latest news, tips, and insights from the team at VR Insurance. Our blog covers everything from travel and life insurance to financial planning and debt management. Whether you’re looking to protect what matters most or plan for a more secure future, you’ll find helpful resources and expert guidance right here.
Posted
on 15 September 2025
 "Critical Illness Insurance: Should You Own It Personally or Through Your Business?")
Critical Illness Insurance: Should You Own It Personally or Through Your Business?
When you're running a business, protecting your health isn’t just personal—it’s essential to your company’s survival. That’s where Critical Illness Insurance comes in. It provides a tax-free lump sum if you're diagnosed with a serious condition like cancer, heart attack, or ...
Posted
on 27 October 2022
 "You Can \"Bank\" On Us")
As expected the Bank of Canada increased it’s policy interest rate this morning by 50 basis points: Bank of Canada increases policy interest rate by 50 basis points, continues quantitative tightening - Bank of Canada. This rate increase puts the policy rate at 3.75%, the first time it’s been at this rate since 2008.
This is concerning for many regarding their mortgage payments.
Wo...
 "News & Info from Vikas Ramrakha")
I hope you are doing well despite the crazy days. Please reach out and let me know how you are.
To keep mentally alert and phically fit through the pandemic I have commited to walking an average of 5km/day.
On Sunday June 6 2021 I will be walking a heart shaped route and and raising funds for the 2021 virtual Manulife Heart & Stroke Ride for Heart so that we continue to lead the fight to b...
Posted
on 3 November 2020
 "Mortgage paid off - a real life testimonial. You can do it too.")
Last week the Bank of Canada announced that the plan to keep the interest rate close to zero until 2023. (See article). Mortgage rates also remain low. This has sparked a discussion amongst some friends regarding mortgage rates and the idea of changing mortgages and the benefits of having a fixed or variable mortgage. I was asked for my opinion on the matter.
The fact is that I am not a mor...
Posted
on 26 October 2020
 "Good News - Insurance changes in response to Coronavirus Pandemic")
Are you concerned about the increase in Coronavirus infections?
Recently I have had numerous conversations with clients.
Many are wondering what happens if they or a family member contracts the virus? Do they have adequate life and illness insurance? Some clients need to travel and want to know if their travel insurance will provide coverage if they fall ill due to COVID 19.
The truth ...
