<?xml version="1.0" encoding="UTF-8"?><rss xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title>VR Insurance Advisor</title><link>https://www.vrinsurance.ca/</link><description><![CDATA[Vikas Ramrakha Insurance RSS]]></description><pubDate>Wed, 15 Oct 2025 17:00:00 +0000</pubDate><managingEditor>vikas@vrinsurance.ca (Vikas Ramrakha Insurance)</managingEditor><generator>Vikas Ramrakha Insurance</generator><language>en</language><docs>http://blogs.law.harvard.edu/tech/rss</docs><atom:link rel="self" type="application/rss+xml" href="https://www.vrinsurance.ca/"/><item><title><![CDATA[Understanding Critical Illness Insurance in Canada]]></title><link>https://www.vrinsurance.ca/blog/critical-illness-insurance-canada</link><guid>https://www.vrinsurance.ca/blog/post/view/post/126236</guid><description><![CDATA[Why It Matters and Where to Get Guaranteed Coverage<br />
&nbsp;

A Personal Note from Vikas Ramrakha

After sharing my recent experiences in our newsletter Critical Illness Doesn&rsquo;t Wait, Neither Should You, I received many questions about Critical Illness Insurance&mdash;what it is, how it works, and whether it&rsquo;s right for you. Let&rsquo;s take a closer look.<br />
&nbsp;

What Is Critical Illness Insurance?

Critical Illness Insurance provides a tax-free lump sum if you&#39;re diagnosed wit...]]></description><pubDate>Wed, 15 Oct 2025 17:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB6835/blogImages/68efe4ed97167.jpg" type="image/jpeg" length="79108"/></item><item><title><![CDATA[From Startup to Scale-Up—We’ve Got You Covered]]></title><link>https://www.vrinsurance.ca/blog/insurance-for-canadian-business-owners</link><guid>https://www.vrinsurance.ca/blog/post/view/post/126239</guid><description><![CDATA[The Coverage Every Business Owner Needs at Every Stage

Starting and growing a business is one of the most rewarding&mdash;and risky&mdash;journeys a person can take. From the first client to the tenth employee, each milestone brings new opportunities and new vulnerabilities. That&rsquo;s why smart business owners don&rsquo;t just plan for growth&mdash;they protect it.

In this guide, we break down the essential insurance coverage for Canadian entrepreneurs at every stage of business developm...]]></description><pubDate>Tue, 07 Oct 2025 13:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB6835/blogImages/68efeef9d8f37.jpg" type="image/jpeg" length="139886"/></item><item><title><![CDATA[The Gift That Grows: How to Build a Lifelong Financial Legacy for Your Child]]></title><link>https://www.vrinsurance.ca/blog/build-financial-legacy-for-your-child</link><guid>https://www.vrinsurance.ca/blog/post/view/post/126237</guid><description><![CDATA[The Gift That Grows: How to Build a Lifelong Financial Legacy for Your Child

A smart insurance strategy that turns today&rsquo;s child benefit into tomorrow&rsquo;s financial freedom

Most parents dream of giving their children a better future. But what if you could give them more than just a head start&mdash;what if you could give them a financial legacy that grows quietly in the background for decades?

There&rsquo;s a little-known strategy that uses permanent life insurance as a long-term...]]></description><pubDate>Wed, 01 Oct 2025 19:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB6835/blogImages/68efea126a917.jpg" type="image/jpeg" length="103642"/></item><item><title><![CDATA[Because Life After Graduation Deserves a Plan]]></title><link>https://www.vrinsurance.ca/blog/financial-planning-for-young-professionals</link><guid>https://www.vrinsurance.ca/blog/post/view/post/126238</guid><description><![CDATA[Why young professionals should start building their financial legacy now

Graduation is more than a milestone&mdash;it&rsquo;s a launchpad. Whether you&#39;re stepping into your first job, starting a business, or exploring your next move, one thing is certain: your financial future starts now.

And while most young adults focus on budgeting, saving, and paying off student loans (all important!), there&rsquo;s one powerful strategy that often gets overlooked: building your financial legacy ear...]]></description><pubDate>Wed, 24 Sep 2025 19:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB6835/blogImages/68efec72e6f30.jpg" type="image/jpeg" length="123457"/></item><item><title><![CDATA[Critical Illness Insurance: Should You Own It Personally or Through Your Business?]]></title><link>https://www.vrinsurance.ca/blog/critical-illness-insurance-personal-vs-corporate</link><guid>https://www.vrinsurance.ca/blog/post/view/post/126240</guid><description><![CDATA[Critical Illness Insurance: Should You Own It Personally or Through Your Business?

When you&#39;re running a business, protecting your health isn&rsquo;t just personal&mdash;it&rsquo;s essential to your company&rsquo;s survival. That&rsquo;s where Critical Illness Insurance comes in. It provides a tax-free lump sum if you&#39;re diagnosed with a serious condition like cancer, heart attack, or stroke. But one key decision often gets overlooked:

Should the policy be owned by you personally, o...]]></description><pubDate>Mon, 15 Sep 2025 20:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB6835/blogImages/68eff41a712ff.jpg" type="image/jpeg" length="140824"/></item><item><title><![CDATA[You Can "Bank" On Us]]></title><link>https://www.vrinsurance.ca/blog/you-can-bank-on-us</link><guid>https://www.vrinsurance.ca/blog/post/view/post/116780</guid><description><![CDATA[As expected the Bank of Canada increased it&rsquo;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&rsquo;s been at this rate since 2008.

This is concerning for many regarding their mortgage payments.

Would you like a second opinion on your mortgage? I partner with Manulife Bank, and they offer innovat...]]></description><pubDate>Thu, 27 Oct 2022 16:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB6835/blogImages/635ab1c212ce2.jpg" type="image/jpeg" length="480000"/></item><item><title><![CDATA[News & Info from Vikas Ramrakha]]></title><link>https://www.vrinsurance.ca/blog/manulife-heart-and-stroke-ride</link><guid>https://www.vrinsurance.ca/blog/post/view/post/111524</guid><description><![CDATA[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 &amp; Stroke Ride for Heart so that we continue to lead the fight to beat heart disease and stroke. COVID-19 makes our fight more urgent than ever. Please share your hear...]]></description><pubDate>Thu, 22 Apr 2021 15:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB6835/blogImages/6081961c17c3e.jpg" type="image/jpeg" length="47029"/></item><item><title><![CDATA[Mortgage paid off - a real life testimonial. You can do it too.]]></title><link>https://www.vrinsurance.ca/blog/mortgage-paid-off---a-real-life-testimonial--you-can-do-it-too-</link><guid>https://www.vrinsurance.ca/blog/post/view/post/109458</guid><description><![CDATA[
 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 mortgage agent so I cannot advise anyone regarding mortgages. I can only share my experience. Having ha...]]></description><pubDate>Tue, 03 Nov 2020 16:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB6835/blogImages/5f9c316185c9d.jpg" type="image/jpeg" length="43580"/></item><item><title><![CDATA[Good News - Insurance changes in response to Coronavirus Pandemic]]></title><link>https://www.vrinsurance.ca/blog/insurance-changes-in-response-to-coronavirus-pandemic</link><guid>https://www.vrinsurance.ca/blog/post/view/post/109357</guid><description><![CDATA[
 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.<br /><br />
 The truth is, until now, no Critical Illness or Travel insurance policy has covered COVID-19.

 Effective Octo...]]></description><pubDate>Mon, 26 Oct 2020 15:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB6835/blogImages/5f931b4c6cd1f.jpg" type="image/jpeg" length="48248"/></item><item><title><![CDATA[COVID-19 Impact on investments and staying focused on long term during the turmoil?​]]></title><link>https://www.vrinsurance.ca/blog/covid-19-impact-on-investments-and-staying-focused-on-long-term-during-the-turmoil-</link><guid>https://www.vrinsurance.ca/blog/post/view/post/107428</guid><description><![CDATA[
 It would be an understatement to say that COVID-19 has had serious and far reaching impact on society and stock market alike. We have seen tremendous market volatility over the last few months.

 The key is to stay focused on the long term. Here is some information from Manulife Financial that may help.

 Investing during volatile times can challenge your discipline and commitment, but there are principles for your investment strategy that can help ease your mind and keep you focused on the...]]></description><pubDate>Mon, 16 Mar 2020 21:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB6835/blogImages/5e6fe2d141262.jpg" type="image/jpeg" length="70313"/></item><item><title><![CDATA[Bundled Solutions]]></title><link>https://www.vrinsurance.ca/blog/bundled-solutions</link><guid>https://www.vrinsurance.ca/blog/post/view/post/98004</guid><description><![CDATA[
 As I sat down to prepare my presentation for today I looked out the window and saw a Rogers service van. My mind wandered and I started thinking about the BUNDLE they offer. Internet, Cable, Home and Wireless phone services packaged into convenient and discounted bundles.

 Just then the phone rang. It was a clientlets call her Susan. She is a single mom with a 9 year old daughter. She also helps to provide care for her aging parents.&nbsp; Susan was concerned.What if she became ill and cou...]]></description><pubDate>Fri, 29 Nov 2019 14:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB6835/blogImages/5ddff0de385d7.png" type="image/png" length="349880"/></item><item><title><![CDATA[Interested in paying off your mortgage sooner?]]></title><link>https://www.vrinsurance.ca/blog/interested-in-paying-off-your-mortgage-sooner-</link><guid>https://www.vrinsurance.ca/blog/post/view/post/106660</guid><description><![CDATA[
 Consider the benefits of a non-traditional (collateral mortgage) as opposed to the traditional mortgage options.

 TRADITIONAL

 Slow start Payments in the first 5 to 7 years are mostly interest.

 Speed limit Financial institution limits how quickly you can pay off the principal. For example, fixed percentage or limit on lump sum payments.

 Payments don&#39;t equal paydown Even lump sum payments do not necessarily bring down the principal.

 NON-TRADITIONAL (MANULIFE ONE ACCOUNT)

 
  Fas...]]></description><pubDate>Fri, 22 Nov 2019 15:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB6835/blogImages/5dd8064329fb2.jpg" type="image/jpeg" length="236510"/></item><item><title><![CDATA[The truth about "DEBT" & what to do about it]]></title><link>https://www.vrinsurance.ca/blog/the-truth-about-debt---what-to-do-about-it</link><guid>https://www.vrinsurance.ca/blog/post/view/post/92707</guid><description><![CDATA[
 There is a four letter word that keeps Canadians up at night and it starts with........wait for it.....no not &quot;F&quot;......yes it starts with &quot;D&quot;.

 The word is &quot;DEBT&quot;.

 Do you have any? How comfortable are you with your debt level and are you looking for a way to minimize your debt?&nbsp;

 Here are some interesting facts from the latest Manulife Bank Homeowner Debt Survey. It found: Many Canadian homeowners, particularly Millennials, lack the financial flexibili...]]></description><pubDate>Wed, 20 Nov 2019 21:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB6835/blogImages/5dd8080b8ecde.jpg" type="image/jpeg" length="278447"/></item></channel></rss>
